Importing the libraries

import warnings
warnings.filterwarnings("ignore")

#Import all the necessary libraries

import numpy as np
import pandas as pd
import matplotlib.pyplot as plt
import seaborn as sns
%matplotlib inline

Reading Dataset-1

# Reading data from file
inp0 = pd.read_csv("../project/curr.csv")
inp0.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	FLAG_DOCUMENT_18	FLAG_DOCUMENT_19	FLAG_DOCUMENT_20	FLAG_DOCUMENT_21	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	0	0	0	0	0.0	0.0	0.0	0.0	0.0	1.0
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0	0	0	0	0.0	0.0	0.0	0.0	0.0	0.0
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0	0	0	0	0.0	0.0	0.0	0.0	0.0	0.0
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0	0	0	0	NaN	NaN	NaN	NaN	NaN	NaN
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0	0	0	0	0.0	0.0	0.0	0.0	0.0	0.0

5 rows × 122 columns

checking size of the data

inp0.shape

(307511, 122)

Data Cleaning

inp0.columns

Index(['SK_ID_CURR', 'TARGET', 'NAME_CONTRACT_TYPE', 'CODE_GENDER',
       'FLAG_OWN_CAR', 'FLAG_OWN_REALTY', 'CNT_CHILDREN', 'AMT_INCOME_TOTAL',
       'AMT_CREDIT', 'AMT_ANNUITY',
       ...
       'FLAG_DOCUMENT_18', 'FLAG_DOCUMENT_19', 'FLAG_DOCUMENT_20',
       'FLAG_DOCUMENT_21', 'AMT_REQ_CREDIT_BUREAU_HOUR',
       'AMT_REQ_CREDIT_BUREAU_DAY', 'AMT_REQ_CREDIT_BUREAU_WEEK',
       'AMT_REQ_CREDIT_BUREAU_MON', 'AMT_REQ_CREDIT_BUREAU_QRT',
       'AMT_REQ_CREDIT_BUREAU_YEAR'],
      dtype='object', length=122)

# Describing the data
inp0.describe()

	SK_ID_CURR	TARGET	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	AMT_GOODS_PRICE	REGION_POPULATION_RELATIVE	DAYS_BIRTH	DAYS_EMPLOYED	...	FLAG_DOCUMENT_18	FLAG_DOCUMENT_19	FLAG_DOCUMENT_20	FLAG_DOCUMENT_21	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
count	307511.000000	307511.000000	307511.000000	3.075110e+05	3.075110e+05	307499.000000	3.072330e+05	307511.000000	307511.000000	307511.000000	...	307511.000000	307511.000000	307511.000000	307511.000000	265992.000000	265992.000000	265992.000000	265992.000000	265992.000000	265992.000000
mean	278180.518577	0.080729	0.417052	1.687979e+05	5.990260e+05	27108.573909	5.383962e+05	0.020868	-16036.995067	63815.045904	...	0.008130	0.000595	0.000507	0.000335	0.006402	0.007000	0.034362	0.267395	0.265474	1.899974
std	102790.175348	0.272419	0.722121	2.371231e+05	4.024908e+05	14493.737315	3.694465e+05	0.013831	4363.988632	141275.766519	...	0.089798	0.024387	0.022518	0.018299	0.083849	0.110757	0.204685	0.916002	0.794056	1.869295
min	100002.000000	0.000000	0.000000	2.565000e+04	4.500000e+04	1615.500000	4.050000e+04	0.000290	-25229.000000	-17912.000000	...	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
25%	189145.500000	0.000000	0.000000	1.125000e+05	2.700000e+05	16524.000000	2.385000e+05	0.010006	-19682.000000	-2760.000000	...	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
50%	278202.000000	0.000000	0.000000	1.471500e+05	5.135310e+05	24903.000000	4.500000e+05	0.018850	-15750.000000	-1213.000000	...	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	1.000000
75%	367142.500000	0.000000	1.000000	2.025000e+05	8.086500e+05	34596.000000	6.795000e+05	0.028663	-12413.000000	-289.000000	...	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	3.000000
max	456255.000000	1.000000	19.000000	1.170000e+08	4.050000e+06	258025.500000	4.050000e+06	0.072508	-7489.000000	365243.000000	...	1.000000	1.000000	1.000000	1.000000	4.000000	9.000000	8.000000	27.000000	261.000000	25.000000

8 rows × 106 columns

Insight:

• From the above reading certain details can be identified such as data contains 307511 rows and 122 columns.
• There are certain null values and negative values.
• Data cleaning is needed and standardisation of values also needed.

Identify the null values

# find null values
null_values=inp0.isnull().sum()
null_values

SK_ID_CURR                        0
TARGET                            0
NAME_CONTRACT_TYPE                0
CODE_GENDER                       0
FLAG_OWN_CAR                      0
                              ...  
AMT_REQ_CREDIT_BUREAU_DAY     41519
AMT_REQ_CREDIT_BUREAU_WEEK    41519
AMT_REQ_CREDIT_BUREAU_MON     41519
AMT_REQ_CREDIT_BUREAU_QRT     41519
AMT_REQ_CREDIT_BUREAU_YEAR    41519
Length: 122, dtype: int64

Handling missing values

null_values = round(inp0.isnull().sum()*100/len(inp0),2)

# identify data with more than 50% missing values
null_values_50 = null_values[null_values>50]
null_values_50

OWN_CAR_AGE                 65.99
EXT_SOURCE_1                56.38
APARTMENTS_AVG              50.75
BASEMENTAREA_AVG            58.52
YEARS_BUILD_AVG             66.50
COMMONAREA_AVG              69.87
ELEVATORS_AVG               53.30
ENTRANCES_AVG               50.35
FLOORSMIN_AVG               67.85
LANDAREA_AVG                59.38
LIVINGAPARTMENTS_AVG        68.35
LIVINGAREA_AVG              50.19
NONLIVINGAPARTMENTS_AVG     69.43
NONLIVINGAREA_AVG           55.18
APARTMENTS_MODE             50.75
BASEMENTAREA_MODE           58.52
YEARS_BUILD_MODE            66.50
COMMONAREA_MODE             69.87
ELEVATORS_MODE              53.30
ENTRANCES_MODE              50.35
FLOORSMIN_MODE              67.85
LANDAREA_MODE               59.38
LIVINGAPARTMENTS_MODE       68.35
LIVINGAREA_MODE             50.19
NONLIVINGAPARTMENTS_MODE    69.43
NONLIVINGAREA_MODE          55.18
APARTMENTS_MEDI             50.75
BASEMENTAREA_MEDI           58.52
YEARS_BUILD_MEDI            66.50
COMMONAREA_MEDI             69.87
ELEVATORS_MEDI              53.30
ENTRANCES_MEDI              50.35
FLOORSMIN_MEDI              67.85
LANDAREA_MEDI               59.38
LIVINGAPARTMENTS_MEDI       68.35
LIVINGAREA_MEDI             50.19
NONLIVINGAPARTMENTS_MEDI    69.43
NONLIVINGAREA_MEDI          55.18
FONDKAPREMONT_MODE          68.39
HOUSETYPE_MODE              50.18
WALLSMATERIAL_MODE          50.84
dtype: float64

#Total number of columns with more than 50% missing values
len(null_values_50)

41

# Remove these 41 columns
null_values_50.index

Index(['OWN_CAR_AGE', 'EXT_SOURCE_1', 'APARTMENTS_AVG', 'BASEMENTAREA_AVG',
       'YEARS_BUILD_AVG', 'COMMONAREA_AVG', 'ELEVATORS_AVG', 'ENTRANCES_AVG',
       'FLOORSMIN_AVG', 'LANDAREA_AVG', 'LIVINGAPARTMENTS_AVG',
       'LIVINGAREA_AVG', 'NONLIVINGAPARTMENTS_AVG', 'NONLIVINGAREA_AVG',
       'APARTMENTS_MODE', 'BASEMENTAREA_MODE', 'YEARS_BUILD_MODE',
       'COMMONAREA_MODE', 'ELEVATORS_MODE', 'ENTRANCES_MODE', 'FLOORSMIN_MODE',
       'LANDAREA_MODE', 'LIVINGAPARTMENTS_MODE', 'LIVINGAREA_MODE',
       'NONLIVINGAPARTMENTS_MODE', 'NONLIVINGAREA_MODE', 'APARTMENTS_MEDI',
       'BASEMENTAREA_MEDI', 'YEARS_BUILD_MEDI', 'COMMONAREA_MEDI',
       'ELEVATORS_MEDI', 'ENTRANCES_MEDI', 'FLOORSMIN_MEDI', 'LANDAREA_MEDI',
       'LIVINGAPARTMENTS_MEDI', 'LIVINGAREA_MEDI', 'NONLIVINGAPARTMENTS_MEDI',
       'NONLIVINGAREA_MEDI', 'FONDKAPREMONT_MODE', 'HOUSETYPE_MODE',
       'WALLSMATERIAL_MODE'],
      dtype='object')

inp0.drop(columns=null_values_50.index, inplace=True)
inp0.shape

(307511, 81)

null_values = round(inp0.isnull().sum()*100/len(inp0),2)
null_values

SK_ID_CURR                     0.0
TARGET                         0.0
NAME_CONTRACT_TYPE             0.0
CODE_GENDER                    0.0
FLAG_OWN_CAR                   0.0
                              ... 
AMT_REQ_CREDIT_BUREAU_DAY     13.5
AMT_REQ_CREDIT_BUREAU_WEEK    13.5
AMT_REQ_CREDIT_BUREAU_MON     13.5
AMT_REQ_CREDIT_BUREAU_QRT     13.5
AMT_REQ_CREDIT_BUREAU_YEAR    13.5
Length: 81, dtype: float64

#Droping columns comprising more than 20% null values other than Occupation_Type
null_values_20=null_values[null_values>20]
null_values_20

OCCUPATION_TYPE                 31.35
YEARS_BEGINEXPLUATATION_AVG     48.78
FLOORSMAX_AVG                   49.76
YEARS_BEGINEXPLUATATION_MODE    48.78
FLOORSMAX_MODE                  49.76
YEARS_BEGINEXPLUATATION_MEDI    48.78
FLOORSMAX_MEDI                  49.76
TOTALAREA_MODE                  48.27
EMERGENCYSTATE_MODE             47.40
dtype: float64

# Droping occupation type from null value data
null_values_20.drop(["OCCUPATION_TYPE"],inplace = True)
null_values_20

YEARS_BEGINEXPLUATATION_AVG     48.78
FLOORSMAX_AVG                   49.76
YEARS_BEGINEXPLUATATION_MODE    48.78
FLOORSMAX_MODE                  49.76
YEARS_BEGINEXPLUATATION_MEDI    48.78
FLOORSMAX_MEDI                  49.76
TOTALAREA_MODE                  48.27
EMERGENCYSTATE_MODE             47.40
dtype: float64

inp0.drop(columns=null_values_20.index,inplace=True)
inp0.shape

(307511, 73)

inp0.isnull().sum().sum()

412799

null_values = round(inp0.isnull().sum()*100/len(inp0),2)
null_values.head()

SK_ID_CURR            0.0
TARGET                0.0
NAME_CONTRACT_TYPE    0.0
CODE_GENDER           0.0
FLAG_OWN_CAR          0.0
dtype: float64

inp0.shape

(307511, 73)

#Identify unnecessory columns and drom them
inp0.head(10)
unnec_col=["FLAG_DOCUMENT_2","FLAG_DOCUMENT_3","FLAG_DOCUMENT_4","FLAG_DOCUMENT_5","FLAG_DOCUMENT_6","FLAG_DOCUMENT_7","FLAG_DOCUMENT_8","FLAG_DOCUMENT_9","FLAG_DOCUMENT_10","FLAG_DOCUMENT_11","FLAG_DOCUMENT_12","FLAG_DOCUMENT_13","FLAG_DOCUMENT_14","FLAG_DOCUMENT_15","FLAG_DOCUMENT_16","FLAG_DOCUMENT_17","FLAG_DOCUMENT_18","FLAG_DOCUMENT_19","FLAG_DOCUMENT_20","FLAG_DOCUMENT_21"]
inp0.drop(labels=unnec_col, axis=1,inplace=True)
inp0.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	DEF_30_CNT_SOCIAL_CIRCLE	OBS_60_CNT_SOCIAL_CIRCLE	DEF_60_CNT_SOCIAL_CIRCLE	DAYS_LAST_PHONE_CHANGE	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	2.0	2.0	2.0	-1134.0	0.0	0.0	0.0	0.0	0.0	1.0
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0.0	1.0	0.0	-828.0	0.0	0.0	0.0	0.0	0.0	0.0
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0.0	0.0	0.0	-815.0	0.0	0.0	0.0	0.0	0.0	0.0
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0.0	2.0	0.0	-617.0	NaN	NaN	NaN	NaN	NaN	NaN
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0.0	0.0	0.0	-1106.0	0.0	0.0	0.0	0.0	0.0	0.0

5 rows × 53 columns

inp0.shape

(307511, 53)

inp0.isnull().sum().sum()
inp0.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	DEF_30_CNT_SOCIAL_CIRCLE	OBS_60_CNT_SOCIAL_CIRCLE	DEF_60_CNT_SOCIAL_CIRCLE	DAYS_LAST_PHONE_CHANGE	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	2.0	2.0	2.0	-1134.0	0.0	0.0	0.0	0.0	0.0	1.0
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0.0	1.0	0.0	-828.0	0.0	0.0	0.0	0.0	0.0	0.0
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0.0	0.0	0.0	-815.0	0.0	0.0	0.0	0.0	0.0	0.0
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0.0	2.0	0.0	-617.0	NaN	NaN	NaN	NaN	NaN	NaN
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0.0	0.0	0.0	-1106.0	0.0	0.0	0.0	0.0	0.0	0.0

5 rows × 53 columns

Inputing values

#Treating columns that are in numeric value
# Treating important columns
inp0.AMT_ANNUITY.isnull().sum()

12

#Replace with mean of particular column
amt_annuity_mean=inp0.AMT_ANNUITY.mean()
amt_annuity_mean

27108.573909183444

inp0.AMT_ANNUITY.fillna(amt_annuity_mean,inplace= True)
inp0.AMT_ANNUITY.value_counts(normalize=True)

9000.0      0.020763
13500.0     0.017931
6750.0      0.007411
10125.0     0.006618
37800.0     0.005210
              ...   
79902.0     0.000003
106969.5    0.000003
60885.0     0.000003
59661.0     0.000003
77809.5     0.000003
Name: AMT_ANNUITY, Length: 13673, dtype: float64

#cross check for null values
inp0.AMT_ANNUITY.isnull().sum()

0

#Occupation Type that is categorical variable 
inp0.OCCUPATION_TYPE.describe()

count       211120
unique          18
top       Laborers
freq         55186
Name: OCCUPATION_TYPE, dtype: object

# Make another column which are having null values in occupation Type.
inp0["OCCUPATION_TYPE"]=inp0["OCCUPATION_TYPE"].fillna("Unidentified")
#cross check for null values in OCCUPATION_TYPE
inp0["OCCUPATION_TYPE"].isnull().sum()

0

#Recheck columns
inp0.columns

Index(['SK_ID_CURR', 'TARGET', 'NAME_CONTRACT_TYPE', 'CODE_GENDER',
       'FLAG_OWN_CAR', 'FLAG_OWN_REALTY', 'CNT_CHILDREN', 'AMT_INCOME_TOTAL',
       'AMT_CREDIT', 'AMT_ANNUITY', 'AMT_GOODS_PRICE', 'NAME_TYPE_SUITE',
       'NAME_INCOME_TYPE', 'NAME_EDUCATION_TYPE', 'NAME_FAMILY_STATUS',
       'NAME_HOUSING_TYPE', 'REGION_POPULATION_RELATIVE', 'DAYS_BIRTH',
       'DAYS_EMPLOYED', 'DAYS_REGISTRATION', 'DAYS_ID_PUBLISH', 'FLAG_MOBIL',
       'FLAG_EMP_PHONE', 'FLAG_WORK_PHONE', 'FLAG_CONT_MOBILE', 'FLAG_PHONE',
       'FLAG_EMAIL', 'OCCUPATION_TYPE', 'CNT_FAM_MEMBERS',
       'REGION_RATING_CLIENT', 'REGION_RATING_CLIENT_W_CITY',
       'WEEKDAY_APPR_PROCESS_START', 'HOUR_APPR_PROCESS_START',
       'REG_REGION_NOT_LIVE_REGION', 'REG_REGION_NOT_WORK_REGION',
       'LIVE_REGION_NOT_WORK_REGION', 'REG_CITY_NOT_LIVE_CITY',
       'REG_CITY_NOT_WORK_CITY', 'LIVE_CITY_NOT_WORK_CITY',
       'ORGANIZATION_TYPE', 'EXT_SOURCE_2', 'EXT_SOURCE_3',
       'OBS_30_CNT_SOCIAL_CIRCLE', 'DEF_30_CNT_SOCIAL_CIRCLE',
       'OBS_60_CNT_SOCIAL_CIRCLE', 'DEF_60_CNT_SOCIAL_CIRCLE',
       'DAYS_LAST_PHONE_CHANGE', 'AMT_REQ_CREDIT_BUREAU_HOUR',
       'AMT_REQ_CREDIT_BUREAU_DAY', 'AMT_REQ_CREDIT_BUREAU_WEEK',
       'AMT_REQ_CREDIT_BUREAU_MON', 'AMT_REQ_CREDIT_BUREAU_QRT',
       'AMT_REQ_CREDIT_BUREAU_YEAR'],
      dtype='object')

# Add null values for another columns
inp0.isnull().sum()

SK_ID_CURR                         0
TARGET                             0
NAME_CONTRACT_TYPE                 0
CODE_GENDER                        0
FLAG_OWN_CAR                       0
FLAG_OWN_REALTY                    0
CNT_CHILDREN                       0
AMT_INCOME_TOTAL                   0
AMT_CREDIT                         0
AMT_ANNUITY                        0
AMT_GOODS_PRICE                  278
NAME_TYPE_SUITE                 1292
NAME_INCOME_TYPE                   0
NAME_EDUCATION_TYPE                0
NAME_FAMILY_STATUS                 0
NAME_HOUSING_TYPE                  0
REGION_POPULATION_RELATIVE         0
DAYS_BIRTH                         0
DAYS_EMPLOYED                      0
DAYS_REGISTRATION                  0
DAYS_ID_PUBLISH                    0
FLAG_MOBIL                         0
FLAG_EMP_PHONE                     0
FLAG_WORK_PHONE                    0
FLAG_CONT_MOBILE                   0
FLAG_PHONE                         0
FLAG_EMAIL                         0
OCCUPATION_TYPE                    0
CNT_FAM_MEMBERS                    2
REGION_RATING_CLIENT               0
REGION_RATING_CLIENT_W_CITY        0
WEEKDAY_APPR_PROCESS_START         0
HOUR_APPR_PROCESS_START            0
REG_REGION_NOT_LIVE_REGION         0
REG_REGION_NOT_WORK_REGION         0
LIVE_REGION_NOT_WORK_REGION        0
REG_CITY_NOT_LIVE_CITY             0
REG_CITY_NOT_WORK_CITY             0
LIVE_CITY_NOT_WORK_CITY            0
ORGANIZATION_TYPE                  0
EXT_SOURCE_2                     660
EXT_SOURCE_3                   60965
OBS_30_CNT_SOCIAL_CIRCLE        1021
DEF_30_CNT_SOCIAL_CIRCLE        1021
OBS_60_CNT_SOCIAL_CIRCLE        1021
DEF_60_CNT_SOCIAL_CIRCLE        1021
DAYS_LAST_PHONE_CHANGE             1
AMT_REQ_CREDIT_BUREAU_HOUR     41519
AMT_REQ_CREDIT_BUREAU_DAY      41519
AMT_REQ_CREDIT_BUREAU_WEEK     41519
AMT_REQ_CREDIT_BUREAU_MON      41519
AMT_REQ_CREDIT_BUREAU_QRT      41519
AMT_REQ_CREDIT_BUREAU_YEAR     41519
dtype: int64

# Now first fill null values for EXT_SOURCE_3 
inp0[["EXT_SOURCE_2","EXT_SOURCE_3","AMT_REQ_CREDIT_BUREAU_HOUR","AMT_REQ_CREDIT_BUREAU_DAY","AMT_REQ_CREDIT_BUREAU_WEEK","AMT_REQ_CREDIT_BUREAU_MON","AMT_REQ_CREDIT_BUREAU_QRT","AMT_REQ_CREDIT_BUREAU_YEAR"]].describe()

	EXT_SOURCE_2	EXT_SOURCE_3	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
count	3.068510e+05	246546.000000	265992.000000	265992.000000	265992.000000	265992.000000	265992.000000	265992.000000
mean	5.143927e-01	0.510853	0.006402	0.007000	0.034362	0.267395	0.265474	1.899974
std	1.910602e-01	0.194844	0.083849	0.110757	0.204685	0.916002	0.794056	1.869295
min	8.173617e-08	0.000527	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
25%	3.924574e-01	0.370650	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000
50%	5.659614e-01	0.535276	0.000000	0.000000	0.000000	0.000000	0.000000	1.000000
75%	6.636171e-01	0.669057	0.000000	0.000000	0.000000	0.000000	0.000000	3.000000
max	8.549997e-01	0.896010	4.000000	9.000000	8.000000	27.000000	261.000000	25.000000

# To make it easy create variable ext3_amt_credit
ext_amt_credit=["EXT_SOURCE_2","EXT_SOURCE_3","AMT_REQ_CREDIT_BUREAU_HOUR","AMT_REQ_CREDIT_BUREAU_DAY","AMT_REQ_CREDIT_BUREAU_WEEK","AMT_REQ_CREDIT_BUREAU_MON","AMT_REQ_CREDIT_BUREAU_QRT","AMT_REQ_CREDIT_BUREAU_YEAR"]

# fill null values by median values
inp0.fillna(inp0[ext_amt_credit].median(),inplace=True)            
inp0.isnull().sum()

SK_ID_CURR                        0
TARGET                            0
NAME_CONTRACT_TYPE                0
CODE_GENDER                       0
FLAG_OWN_CAR                      0
FLAG_OWN_REALTY                   0
CNT_CHILDREN                      0
AMT_INCOME_TOTAL                  0
AMT_CREDIT                        0
AMT_ANNUITY                       0
AMT_GOODS_PRICE                 278
NAME_TYPE_SUITE                1292
NAME_INCOME_TYPE                  0
NAME_EDUCATION_TYPE               0
NAME_FAMILY_STATUS                0
NAME_HOUSING_TYPE                 0
REGION_POPULATION_RELATIVE        0
DAYS_BIRTH                        0
DAYS_EMPLOYED                     0
DAYS_REGISTRATION                 0
DAYS_ID_PUBLISH                   0
FLAG_MOBIL                        0
FLAG_EMP_PHONE                    0
FLAG_WORK_PHONE                   0
FLAG_CONT_MOBILE                  0
FLAG_PHONE                        0
FLAG_EMAIL                        0
OCCUPATION_TYPE                   0
CNT_FAM_MEMBERS                   2
REGION_RATING_CLIENT              0
REGION_RATING_CLIENT_W_CITY       0
WEEKDAY_APPR_PROCESS_START        0
HOUR_APPR_PROCESS_START           0
REG_REGION_NOT_LIVE_REGION        0
REG_REGION_NOT_WORK_REGION        0
LIVE_REGION_NOT_WORK_REGION       0
REG_CITY_NOT_LIVE_CITY            0
REG_CITY_NOT_WORK_CITY            0
LIVE_CITY_NOT_WORK_CITY           0
ORGANIZATION_TYPE                 0
EXT_SOURCE_2                      0
EXT_SOURCE_3                      0
OBS_30_CNT_SOCIAL_CIRCLE       1021
DEF_30_CNT_SOCIAL_CIRCLE       1021
OBS_60_CNT_SOCIAL_CIRCLE       1021
DEF_60_CNT_SOCIAL_CIRCLE       1021
DAYS_LAST_PHONE_CHANGE            1
AMT_REQ_CREDIT_BUREAU_HOUR        0
AMT_REQ_CREDIT_BUREAU_DAY         0
AMT_REQ_CREDIT_BUREAU_WEEK        0
AMT_REQ_CREDIT_BUREAU_MON         0
AMT_REQ_CREDIT_BUREAU_QRT         0
AMT_REQ_CREDIT_BUREAU_YEAR        0
dtype: int64

inp0.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	DEF_30_CNT_SOCIAL_CIRCLE	OBS_60_CNT_SOCIAL_CIRCLE	DEF_60_CNT_SOCIAL_CIRCLE	DAYS_LAST_PHONE_CHANGE	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	2.0	2.0	2.0	-1134.0	0.0	0.0	0.0	0.0	0.0	1.0
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0.0	1.0	0.0	-828.0	0.0	0.0	0.0	0.0	0.0	0.0
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0.0	0.0	0.0	-815.0	0.0	0.0	0.0	0.0	0.0	0.0
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0.0	2.0	0.0	-617.0	0.0	0.0	0.0	0.0	0.0	1.0
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0.0	0.0	0.0	-1106.0	0.0	0.0	0.0	0.0	0.0	0.0

5 rows × 53 columns

#Treatment of Name type suite
inp0.NAME_TYPE_SUITE.describe()

count            306219
unique                7
top       Unaccompanied
freq             248526
Name: NAME_TYPE_SUITE, dtype: object

#Unique value is 7 and top value is unaccompanied so replace null values with it
inp0["NAME_TYPE_SUITE"]=inp0["NAME_TYPE_SUITE"].fillna("Unaccompanied")
#cross check for null values in OCCUPATION_TYPE
inp0["NAME_TYPE_SUITE"].isnull().sum()

0

#Treatment of Obs and def columns
inp0[["OBS_30_CNT_SOCIAL_CIRCLE","DEF_30_CNT_SOCIAL_CIRCLE","OBS_60_CNT_SOCIAL_CIRCLE","DEF_60_CNT_SOCIAL_CIRCLE"]].describe()

	OBS_30_CNT_SOCIAL_CIRCLE	DEF_30_CNT_SOCIAL_CIRCLE	OBS_60_CNT_SOCIAL_CIRCLE	DEF_60_CNT_SOCIAL_CIRCLE
count	306490.000000	306490.000000	306490.000000	306490.000000
mean	1.422245	0.143421	1.405292	0.100049
std	2.400989	0.446698	2.379803	0.362291
min	0.000000	0.000000	0.000000	0.000000
25%	0.000000	0.000000	0.000000	0.000000
50%	0.000000	0.000000	0.000000	0.000000
75%	2.000000	0.000000	2.000000	0.000000
max	348.000000	34.000000	344.000000	24.000000

#create variable
obs_def=["OBS_30_CNT_SOCIAL_CIRCLE","DEF_30_CNT_SOCIAL_CIRCLE","OBS_60_CNT_SOCIAL_CIRCLE","DEF_60_CNT_SOCIAL_CIRCLE"]

#replace with mean
inp0.fillna(inp0[obs_def].median(),inplace=True)            
inp0.isnull().sum()

SK_ID_CURR                       0
TARGET                           0
NAME_CONTRACT_TYPE               0
CODE_GENDER                      0
FLAG_OWN_CAR                     0
FLAG_OWN_REALTY                  0
CNT_CHILDREN                     0
AMT_INCOME_TOTAL                 0
AMT_CREDIT                       0
AMT_ANNUITY                      0
AMT_GOODS_PRICE                278
NAME_TYPE_SUITE                  0
NAME_INCOME_TYPE                 0
NAME_EDUCATION_TYPE              0
NAME_FAMILY_STATUS               0
NAME_HOUSING_TYPE                0
REGION_POPULATION_RELATIVE       0
DAYS_BIRTH                       0
DAYS_EMPLOYED                    0
DAYS_REGISTRATION                0
DAYS_ID_PUBLISH                  0
FLAG_MOBIL                       0
FLAG_EMP_PHONE                   0
FLAG_WORK_PHONE                  0
FLAG_CONT_MOBILE                 0
FLAG_PHONE                       0
FLAG_EMAIL                       0
OCCUPATION_TYPE                  0
CNT_FAM_MEMBERS                  2
REGION_RATING_CLIENT             0
REGION_RATING_CLIENT_W_CITY      0
WEEKDAY_APPR_PROCESS_START       0
HOUR_APPR_PROCESS_START          0
REG_REGION_NOT_LIVE_REGION       0
REG_REGION_NOT_WORK_REGION       0
LIVE_REGION_NOT_WORK_REGION      0
REG_CITY_NOT_LIVE_CITY           0
REG_CITY_NOT_WORK_CITY           0
LIVE_CITY_NOT_WORK_CITY          0
ORGANIZATION_TYPE                0
EXT_SOURCE_2                     0
EXT_SOURCE_3                     0
OBS_30_CNT_SOCIAL_CIRCLE         0
DEF_30_CNT_SOCIAL_CIRCLE         0
OBS_60_CNT_SOCIAL_CIRCLE         0
DEF_60_CNT_SOCIAL_CIRCLE         0
DAYS_LAST_PHONE_CHANGE           1
AMT_REQ_CREDIT_BUREAU_HOUR       0
AMT_REQ_CREDIT_BUREAU_DAY        0
AMT_REQ_CREDIT_BUREAU_WEEK       0
AMT_REQ_CREDIT_BUREAU_MON        0
AMT_REQ_CREDIT_BUREAU_QRT        0
AMT_REQ_CREDIT_BUREAU_YEAR       0
dtype: int64

#check remaining columns to check standardisation 
column_days = ["DAYS_BIRTH","DAYS_EMPLOYED","DAYS_REGISTRATION","DAYS_ID_PUBLISH","DAYS_LAST_PHONE_CHANGE"]
inp0[column_days].describe()

	DAYS_BIRTH	DAYS_EMPLOYED	DAYS_REGISTRATION	DAYS_ID_PUBLISH	DAYS_LAST_PHONE_CHANGE
count	307511.000000	307511.000000	307511.000000	307511.000000	307510.000000
mean	-16036.995067	63815.045904	-4986.120328	-2994.202373	-962.858788
std	4363.988632	141275.766519	3522.886321	1509.450419	826.808487
min	-25229.000000	-17912.000000	-24672.000000	-7197.000000	-4292.000000
25%	-19682.000000	-2760.000000	-7479.500000	-4299.000000	-1570.000000
50%	-15750.000000	-1213.000000	-4504.000000	-3254.000000	-757.000000
75%	-12413.000000	-289.000000	-2010.000000	-1720.000000	-274.000000
max	-7489.000000	365243.000000	0.000000	0.000000	0.000000

#correcting negative values
inp0[column_days]=abs(inp0[column_days])
inp0[column_days].describe()

	DAYS_BIRTH	DAYS_EMPLOYED	DAYS_REGISTRATION	DAYS_ID_PUBLISH	DAYS_LAST_PHONE_CHANGE
count	307511.000000	307511.000000	307511.000000	307511.000000	307510.000000
mean	16036.995067	67724.742149	4986.120328	2994.202373	962.858788
std	4363.988632	139443.751806	3522.886321	1509.450419	826.808487
min	7489.000000	0.000000	0.000000	0.000000	0.000000
25%	12413.000000	933.000000	2010.000000	1720.000000	274.000000
50%	15750.000000	2219.000000	4504.000000	3254.000000	757.000000
75%	19682.000000	5707.000000	7479.500000	4299.000000	1570.000000
max	25229.000000	365243.000000	24672.000000	7197.000000	4292.000000

# Convert columns-DAYS_BIRTH ad DAYS_EMPLOYED to YEARS
inp0["AGE"]= inp0["DAYS_BIRTH"]/365
bins=[0,20,30,40,50,60,100]
bin_category=["0-20","20-30","30-40","40-50","50-60","60 Above"]
inp0["AGE_RANGE"]=pd.cut(inp0["AGE"],bins=bins,labels=bin_category)

inp0["AGE_RANGE"].value_counts(normalize=True)*100

30-40       26.765872
40-50       24.890492
50-60       22.133192
20-30       14.640452
60 Above    11.569993
0-20         0.000000
Name: AGE_RANGE, dtype: float64

inp0["EMPLOYMENT_YEARS"]= inp0["DAYS_EMPLOYED"]/365
bins=[0,5,10,15,20,25,30,35,40,45,50]
bin_category=["0-5","5-10","10-15","15-20","20-25","25-30","30-35","35-40","40-45","45 Above"]
inp0["EMPLOYMENT_YEARS_RANGE"]=pd.cut(inp0["EMPLOYMENT_YEARS"],bins=bins,labels=bin_category)

inp0["EMPLOYMENT_YEARS_RANGE"].value_counts(normalize=True)*100

0-5         54.061911
5-10        25.729074
10-15       10.926289
15-20        4.302854
20-25        2.476054
25-30        1.311996
30-35        0.769032
35-40        0.329982
40-45        0.083289
45 Above     0.009519
Name: EMPLOYMENT_YEARS_RANGE, dtype: float64

Outlier handling

inp0.describe()

	SK_ID_CURR	TARGET	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	AMT_GOODS_PRICE	REGION_POPULATION_RELATIVE	DAYS_BIRTH	DAYS_EMPLOYED	...	DEF_60_CNT_SOCIAL_CIRCLE	DAYS_LAST_PHONE_CHANGE	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR	AGE	EMPLOYMENT_YEARS
count	307511.000000	307511.000000	307511.000000	3.075110e+05	3.075110e+05	307511.000000	3.072330e+05	307511.000000	307511.000000	307511.000000	...	307511.000000	307510.000000	307511.000000	307511.000000	307511.000000	307511.000000	307511.000000	307511.000000	307511.000000	307511.000000
mean	278180.518577	0.080729	0.417052	1.687979e+05	5.990260e+05	27108.573909	5.383962e+05	0.020868	16036.995067	67724.742149	...	0.099717	962.858788	0.005538	0.006055	0.029723	0.231293	0.229631	1.778463	43.936973	185.547239
std	102790.175348	0.272419	0.722121	2.371231e+05	4.024908e+05	14493.454517	3.694465e+05	0.013831	4363.988632	139443.751806	...	0.361735	826.808487	0.078014	0.103037	0.190728	0.856810	0.744059	1.765523	11.956133	382.037676
min	100002.000000	0.000000	0.000000	2.565000e+04	4.500000e+04	1615.500000	4.050000e+04	0.000290	7489.000000	0.000000	...	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	0.000000	20.517808	0.000000
25%	189145.500000	0.000000	0.000000	1.125000e+05	2.700000e+05	16524.000000	2.385000e+05	0.010006	12413.000000	933.000000	...	0.000000	274.000000	0.000000	0.000000	0.000000	0.000000	0.000000	1.000000	34.008219	2.556164
50%	278202.000000	0.000000	0.000000	1.471500e+05	5.135310e+05	24903.000000	4.500000e+05	0.018850	15750.000000	2219.000000	...	0.000000	757.000000	0.000000	0.000000	0.000000	0.000000	0.000000	1.000000	43.150685	6.079452
75%	367142.500000	0.000000	1.000000	2.025000e+05	8.086500e+05	34596.000000	6.795000e+05	0.028663	19682.000000	5707.000000	...	0.000000	1570.000000	0.000000	0.000000	0.000000	0.000000	0.000000	3.000000	53.923288	15.635616
max	456255.000000	1.000000	19.000000	1.170000e+08	4.050000e+06	258025.500000	4.050000e+06	0.072508	25229.000000	365243.000000	...	24.000000	4292.000000	4.000000	9.000000	8.000000	27.000000	261.000000	25.000000	69.120548	1000.665753

8 rows × 43 columns

With the help of description we can identify columns that contain outliers as it will provide a difference between max and different percentile.

#important columns with outliers(variables)
plt.figure(figsize=(11,3))
sns.boxplot(inp0.CNT_CHILDREN)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp0.AMT_INCOME_TOTAL)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp0.AMT_CREDIT)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp0.AMT_ANNUITY)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp0.AMT_GOODS_PRICE)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp0.DAYS_BIRTH)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp0.DAYS_EMPLOYED)
plt.show()

Insight:

From application data we can say that

• There are certain outliers available in CNT_CHILDREN,AMT_CREDIT,AMT_ANNUITY,AMT_GOODS_PRICE.
• DAYS_BIRTH column is reliable because there are no outliers in it.
• AMT_INCOME_TOTAL has many outliers; it means there is a very big difference of income amongst the loan applicants.
• DAYS_EMPLOYED shows incorrect entry as days employed can not be 350000.

#Handle outliers by using bin
inp0.AMT_INCOME_TOTAL.describe()

count    3.075110e+05
mean     1.687979e+05
std      2.371231e+05
min      2.565000e+04
25%      1.125000e+05
50%      1.471500e+05
75%      2.025000e+05
max      1.170000e+08
Name: AMT_INCOME_TOTAL, dtype: float64

#create bins for AMT_INCOME_TOTAL

bins=[0,150000,300000,450000,600000,750000]
binned_category=["Very Low","Low","Medium","High","Very High"]
inp0["AMT_INCOME_RANGE"]=pd.cut(inp0["AMT_INCOME_TOTAL"],bins=bins,labels=binned_category)

inp0.AMT_CREDIT.describe()

count    3.075110e+05
mean     5.990260e+05
std      4.024908e+05
min      4.500000e+04
25%      2.700000e+05
50%      5.135310e+05
75%      8.086500e+05
max      4.050000e+06
Name: AMT_CREDIT, dtype: float64

#create bins for AMT_CREDIT
bins=[0,200000,400000,600000,800000,1000000]
binned_category=["Very Low","Low","Medium","High","Very High"]
inp0["AMT_CREDIT_RANGE"]=pd.cut(inp0["AMT_CREDIT"],bins=bins,labels=binned_category)
inp0

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR	AGE	AGE_RANGE	EMPLOYMENT_YEARS	EMPLOYMENT_YEARS_RANGE	AMT_INCOME_RANGE	AMT_CREDIT_RANGE
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	0.0	0.0	0.0	1.0	25.920548	20-30	1.745205	0-5	Low	Medium
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0.0	0.0	0.0	0.0	45.931507	40-50	3.254795	0-5	Low	NaN
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0.0	0.0	0.0	0.0	52.180822	50-60	0.616438	0-5	Very Low	Very Low
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0.0	0.0	0.0	1.0	52.068493	50-60	8.326027	5-10	Very Low	Low
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0.0	0.0	0.0	0.0	54.608219	50-60	8.323288	5-10	Very Low	Medium
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
307506	456251	0	Cash loans	M	N	N	0	157500.0	254700.0	27558.0	...	0.0	0.0	0.0	1.0	25.553425	20-30	0.646575	0-5	Low	Low
307507	456252	0	Cash loans	F	N	Y	0	72000.0	269550.0	12001.5	...	0.0	0.0	0.0	1.0	56.917808	50-60	1000.665753	NaN	Very Low	Low
307508	456253	0	Cash loans	F	N	Y	0	153000.0	677664.0	29979.0	...	0.0	1.0	0.0	1.0	41.002740	40-50	21.701370	20-25	Low	High
307509	456254	1	Cash loans	F	N	Y	0	171000.0	370107.0	20205.0	...	0.0	0.0	0.0	0.0	32.769863	30-40	13.112329	10-15	Low	Low
307510	456255	0	Cash loans	F	N	N	0	157500.0	675000.0	49117.5	...	0.0	2.0	0.0	1.0	46.180822	40-50	3.457534	0-5	Low	High

307511 rows × 59 columns

#identify unique entries
inp0.nunique().sort_values(ascending=False)

SK_ID_CURR                     307511
EXT_SOURCE_2                   119831
DAYS_BIRTH                      17460
AGE                             17460
DAYS_REGISTRATION               15688
AMT_ANNUITY                     13673
EMPLOYMENT_YEARS                12574
DAYS_EMPLOYED                   12574
DAYS_ID_PUBLISH                  6168
AMT_CREDIT                       5603
DAYS_LAST_PHONE_CHANGE           3773
AMT_INCOME_TOTAL                 2548
AMT_GOODS_PRICE                  1002
EXT_SOURCE_3                      814
REGION_POPULATION_RELATIVE         81
ORGANIZATION_TYPE                  58
OBS_30_CNT_SOCIAL_CIRCLE           33
OBS_60_CNT_SOCIAL_CIRCLE           33
AMT_REQ_CREDIT_BUREAU_YEAR         25
HOUR_APPR_PROCESS_START            24
AMT_REQ_CREDIT_BUREAU_MON          24
OCCUPATION_TYPE                    19
CNT_FAM_MEMBERS                    17
CNT_CHILDREN                       15
AMT_REQ_CREDIT_BUREAU_QRT          11
DEF_30_CNT_SOCIAL_CIRCLE           10
EMPLOYMENT_YEARS_RANGE             10
AMT_REQ_CREDIT_BUREAU_DAY           9
AMT_REQ_CREDIT_BUREAU_WEEK          9
DEF_60_CNT_SOCIAL_CIRCLE            9
NAME_INCOME_TYPE                    8
WEEKDAY_APPR_PROCESS_START          7
NAME_TYPE_SUITE                     7
NAME_HOUSING_TYPE                   6
NAME_FAMILY_STATUS                  6
AMT_REQ_CREDIT_BUREAU_HOUR          5
AGE_RANGE                           5
AMT_INCOME_RANGE                    5
AMT_CREDIT_RANGE                    5
NAME_EDUCATION_TYPE                 5
REGION_RATING_CLIENT                3
CODE_GENDER                         3
REGION_RATING_CLIENT_W_CITY         3
FLAG_WORK_PHONE                     2
NAME_CONTRACT_TYPE                  2
FLAG_OWN_CAR                        2
FLAG_OWN_REALTY                     2
FLAG_MOBIL                          2
FLAG_EMP_PHONE                      2
LIVE_CITY_NOT_WORK_CITY             2
REG_CITY_NOT_WORK_CITY              2
FLAG_PHONE                          2
FLAG_EMAIL                          2
TARGET                              2
REG_REGION_NOT_LIVE_REGION          2
REG_REGION_NOT_WORK_REGION          2
LIVE_REGION_NOT_WORK_REGION         2
REG_CITY_NOT_LIVE_CITY              2
FLAG_CONT_MOBILE                    2
dtype: int64

inp0.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 307511 entries, 0 to 307510
Data columns (total 59 columns):
 #   Column                       Non-Null Count   Dtype   
---  ------                       --------------   -----   
 0   SK_ID_CURR                   307511 non-null  int64   
 1   TARGET                       307511 non-null  int64   
 2   NAME_CONTRACT_TYPE           307511 non-null  object  
 3   CODE_GENDER                  307511 non-null  object  
 4   FLAG_OWN_CAR                 307511 non-null  object  
 5   FLAG_OWN_REALTY              307511 non-null  object  
 6   CNT_CHILDREN                 307511 non-null  int64   
 7   AMT_INCOME_TOTAL             307511 non-null  float64 
 8   AMT_CREDIT                   307511 non-null  float64 
 9   AMT_ANNUITY                  307511 non-null  float64 
 10  AMT_GOODS_PRICE              307233 non-null  float64 
 11  NAME_TYPE_SUITE              307511 non-null  object  
 12  NAME_INCOME_TYPE             307511 non-null  object  
 13  NAME_EDUCATION_TYPE          307511 non-null  object  
 14  NAME_FAMILY_STATUS           307511 non-null  object  
 15  NAME_HOUSING_TYPE            307511 non-null  object  
 16  REGION_POPULATION_RELATIVE   307511 non-null  float64 
 17  DAYS_BIRTH                   307511 non-null  int64   
 18  DAYS_EMPLOYED                307511 non-null  int64   
 19  DAYS_REGISTRATION            307511 non-null  float64 
 20  DAYS_ID_PUBLISH              307511 non-null  int64   
 21  FLAG_MOBIL                   307511 non-null  int64   
 22  FLAG_EMP_PHONE               307511 non-null  int64   
 23  FLAG_WORK_PHONE              307511 non-null  int64   
 24  FLAG_CONT_MOBILE             307511 non-null  int64   
 25  FLAG_PHONE                   307511 non-null  int64   
 26  FLAG_EMAIL                   307511 non-null  int64   
 27  OCCUPATION_TYPE              307511 non-null  object  
 28  CNT_FAM_MEMBERS              307509 non-null  float64 
 29  REGION_RATING_CLIENT         307511 non-null  int64   
 30  REGION_RATING_CLIENT_W_CITY  307511 non-null  int64   
 31  WEEKDAY_APPR_PROCESS_START   307511 non-null  object  
 32  HOUR_APPR_PROCESS_START      307511 non-null  int64   
 33  REG_REGION_NOT_LIVE_REGION   307511 non-null  int64   
 34  REG_REGION_NOT_WORK_REGION   307511 non-null  int64   
 35  LIVE_REGION_NOT_WORK_REGION  307511 non-null  int64   
 36  REG_CITY_NOT_LIVE_CITY       307511 non-null  int64   
 37  REG_CITY_NOT_WORK_CITY       307511 non-null  int64   
 38  LIVE_CITY_NOT_WORK_CITY      307511 non-null  int64   
 39  ORGANIZATION_TYPE            307511 non-null  object  
 40  EXT_SOURCE_2                 307511 non-null  float64 
 41  EXT_SOURCE_3                 307511 non-null  float64 
 42  OBS_30_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 43  DEF_30_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 44  OBS_60_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 45  DEF_60_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 46  DAYS_LAST_PHONE_CHANGE       307510 non-null  float64 
 47  AMT_REQ_CREDIT_BUREAU_HOUR   307511 non-null  float64 
 48  AMT_REQ_CREDIT_BUREAU_DAY    307511 non-null  float64 
 49  AMT_REQ_CREDIT_BUREAU_WEEK   307511 non-null  float64 
 50  AMT_REQ_CREDIT_BUREAU_MON    307511 non-null  float64 
 51  AMT_REQ_CREDIT_BUREAU_QRT    307511 non-null  float64 
 52  AMT_REQ_CREDIT_BUREAU_YEAR   307511 non-null  float64 
 53  AGE                          307511 non-null  float64 
 54  AGE_RANGE                    307511 non-null  category
 55  EMPLOYMENT_YEARS             307511 non-null  float64 
 56  EMPLOYMENT_YEARS_RANGE       252135 non-null  category
 57  AMT_INCOME_RANGE             306867 non-null  category
 58  AMT_CREDIT_RANGE             257526 non-null  category
dtypes: category(4), float64(22), int64(21), object(12)
memory usage: 130.2+ MB

#Convert important columns to cateorial column
inp0.columns

Index(['SK_ID_CURR', 'TARGET', 'NAME_CONTRACT_TYPE', 'CODE_GENDER',
       'FLAG_OWN_CAR', 'FLAG_OWN_REALTY', 'CNT_CHILDREN', 'AMT_INCOME_TOTAL',
       'AMT_CREDIT', 'AMT_ANNUITY', 'AMT_GOODS_PRICE', 'NAME_TYPE_SUITE',
       'NAME_INCOME_TYPE', 'NAME_EDUCATION_TYPE', 'NAME_FAMILY_STATUS',
       'NAME_HOUSING_TYPE', 'REGION_POPULATION_RELATIVE', 'DAYS_BIRTH',
       'DAYS_EMPLOYED', 'DAYS_REGISTRATION', 'DAYS_ID_PUBLISH', 'FLAG_MOBIL',
       'FLAG_EMP_PHONE', 'FLAG_WORK_PHONE', 'FLAG_CONT_MOBILE', 'FLAG_PHONE',
       'FLAG_EMAIL', 'OCCUPATION_TYPE', 'CNT_FAM_MEMBERS',
       'REGION_RATING_CLIENT', 'REGION_RATING_CLIENT_W_CITY',
       'WEEKDAY_APPR_PROCESS_START', 'HOUR_APPR_PROCESS_START',
       'REG_REGION_NOT_LIVE_REGION', 'REG_REGION_NOT_WORK_REGION',
       'LIVE_REGION_NOT_WORK_REGION', 'REG_CITY_NOT_LIVE_CITY',
       'REG_CITY_NOT_WORK_CITY', 'LIVE_CITY_NOT_WORK_CITY',
       'ORGANIZATION_TYPE', 'EXT_SOURCE_2', 'EXT_SOURCE_3',
       'OBS_30_CNT_SOCIAL_CIRCLE', 'DEF_30_CNT_SOCIAL_CIRCLE',
       'OBS_60_CNT_SOCIAL_CIRCLE', 'DEF_60_CNT_SOCIAL_CIRCLE',
       'DAYS_LAST_PHONE_CHANGE', 'AMT_REQ_CREDIT_BUREAU_HOUR',
       'AMT_REQ_CREDIT_BUREAU_DAY', 'AMT_REQ_CREDIT_BUREAU_WEEK',
       'AMT_REQ_CREDIT_BUREAU_MON', 'AMT_REQ_CREDIT_BUREAU_QRT',
       'AMT_REQ_CREDIT_BUREAU_YEAR', 'AGE', 'AGE_RANGE', 'EMPLOYMENT_YEARS',
       'EMPLOYMENT_YEARS_RANGE', 'AMT_INCOME_RANGE', 'AMT_CREDIT_RANGE'],
      dtype='object')

converted_columns = ["NAME_CONTRACT_TYPE","CODE_GENDER","FLAG_OWN_REALTY","NAME_TYPE_SUITE","NAME_INCOME_TYPE","NAME_EDUCATION_TYPE",
                       "NAME_FAMILY_STATUS","NAME_HOUSING_TYPE","OCCUPATION_TYPE","WEEKDAY_APPR_PROCESS_START",
                       "ORGANIZATION_TYPE","REG_REGION_NOT_WORK_REGION","LIVE_REGION_NOT_WORK_REGION"]

for column in converted_columns:
    inp0[column] = pd.Categorical(inp0[column])

inp0.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 307511 entries, 0 to 307510
Data columns (total 59 columns):
 #   Column                       Non-Null Count   Dtype   
---  ------                       --------------   -----   
 0   SK_ID_CURR                   307511 non-null  int64   
 1   TARGET                       307511 non-null  int64   
 2   NAME_CONTRACT_TYPE           307511 non-null  category
 3   CODE_GENDER                  307511 non-null  category
 4   FLAG_OWN_CAR                 307511 non-null  object  
 5   FLAG_OWN_REALTY              307511 non-null  category
 6   CNT_CHILDREN                 307511 non-null  int64   
 7   AMT_INCOME_TOTAL             307511 non-null  float64 
 8   AMT_CREDIT                   307511 non-null  float64 
 9   AMT_ANNUITY                  307511 non-null  float64 
 10  AMT_GOODS_PRICE              307233 non-null  float64 
 11  NAME_TYPE_SUITE              307511 non-null  category
 12  NAME_INCOME_TYPE             307511 non-null  category
 13  NAME_EDUCATION_TYPE          307511 non-null  category
 14  NAME_FAMILY_STATUS           307511 non-null  category
 15  NAME_HOUSING_TYPE            307511 non-null  category
 16  REGION_POPULATION_RELATIVE   307511 non-null  float64 
 17  DAYS_BIRTH                   307511 non-null  int64   
 18  DAYS_EMPLOYED                307511 non-null  int64   
 19  DAYS_REGISTRATION            307511 non-null  float64 
 20  DAYS_ID_PUBLISH              307511 non-null  int64   
 21  FLAG_MOBIL                   307511 non-null  int64   
 22  FLAG_EMP_PHONE               307511 non-null  int64   
 23  FLAG_WORK_PHONE              307511 non-null  int64   
 24  FLAG_CONT_MOBILE             307511 non-null  int64   
 25  FLAG_PHONE                   307511 non-null  int64   
 26  FLAG_EMAIL                   307511 non-null  int64   
 27  OCCUPATION_TYPE              307511 non-null  category
 28  CNT_FAM_MEMBERS              307509 non-null  float64 
 29  REGION_RATING_CLIENT         307511 non-null  int64   
 30  REGION_RATING_CLIENT_W_CITY  307511 non-null  int64   
 31  WEEKDAY_APPR_PROCESS_START   307511 non-null  category
 32  HOUR_APPR_PROCESS_START      307511 non-null  int64   
 33  REG_REGION_NOT_LIVE_REGION   307511 non-null  int64   
 34  REG_REGION_NOT_WORK_REGION   307511 non-null  category
 35  LIVE_REGION_NOT_WORK_REGION  307511 non-null  category
 36  REG_CITY_NOT_LIVE_CITY       307511 non-null  int64   
 37  REG_CITY_NOT_WORK_CITY       307511 non-null  int64   
 38  LIVE_CITY_NOT_WORK_CITY      307511 non-null  int64   
 39  ORGANIZATION_TYPE            307511 non-null  category
 40  EXT_SOURCE_2                 307511 non-null  float64 
 41  EXT_SOURCE_3                 307511 non-null  float64 
 42  OBS_30_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 43  DEF_30_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 44  OBS_60_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 45  DEF_60_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 46  DAYS_LAST_PHONE_CHANGE       307510 non-null  float64 
 47  AMT_REQ_CREDIT_BUREAU_HOUR   307511 non-null  float64 
 48  AMT_REQ_CREDIT_BUREAU_DAY    307511 non-null  float64 
 49  AMT_REQ_CREDIT_BUREAU_WEEK   307511 non-null  float64 
 50  AMT_REQ_CREDIT_BUREAU_MON    307511 non-null  float64 
 51  AMT_REQ_CREDIT_BUREAU_QRT    307511 non-null  float64 
 52  AMT_REQ_CREDIT_BUREAU_YEAR   307511 non-null  float64 
 53  AGE                          307511 non-null  float64 
 54  AGE_RANGE                    307511 non-null  category
 55  EMPLOYMENT_YEARS             307511 non-null  float64 
 56  EMPLOYMENT_YEARS_RANGE       252135 non-null  category
 57  AMT_INCOME_RANGE             306867 non-null  category
 58  AMT_CREDIT_RANGE             257526 non-null  category
dtypes: category(17), float64(22), int64(19), object(1)
memory usage: 103.5+ MB

inp0.shape

(307511, 59)

Dataset2-previous_application

Read the dataset

inp1 = pd.read_csv("./prev.csv")
inp1.head()

	SK_ID_PREV	SK_ID_CURR	NAME_CONTRACT_TYPE	AMT_ANNUITY	AMT_APPLICATION	AMT_CREDIT	AMT_DOWN_PAYMENT	AMT_GOODS_PRICE	WEEKDAY_APPR_PROCESS_START	HOUR_APPR_PROCESS_START	...	NAME_SELLER_INDUSTRY	CNT_PAYMENT	NAME_YIELD_GROUP	PRODUCT_COMBINATION	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
0	2030495	271877	Consumer loans	1730.430	17145.0	17145.0	0.0	17145.0	SATURDAY	15	...	Connectivity	12.0	middle	POS mobile with interest	365243.0	-42.0	300.0	-42.0	-37.0	0.0
1	2802425	108129	Cash loans	25188.615	607500.0	679671.0	NaN	607500.0	THURSDAY	11	...	XNA	36.0	low_action	Cash X-Sell: low	365243.0	-134.0	916.0	365243.0	365243.0	1.0
2	2523466	122040	Cash loans	15060.735	112500.0	136444.5	NaN	112500.0	TUESDAY	11	...	XNA	12.0	high	Cash X-Sell: high	365243.0	-271.0	59.0	365243.0	365243.0	1.0
3	2819243	176158	Cash loans	47041.335	450000.0	470790.0	NaN	450000.0	MONDAY	7	...	XNA	12.0	middle	Cash X-Sell: middle	365243.0	-482.0	-152.0	-182.0	-177.0	1.0
4	1784265	202054	Cash loans	31924.395	337500.0	404055.0	NaN	337500.0	THURSDAY	9	...	XNA	24.0	high	Cash Street: high	NaN	NaN	NaN	NaN	NaN	NaN

5 rows × 37 columns

checking size of the data

inp1.shape

(1670214, 37)

inp1.columns

Index(['SK_ID_PREV', 'SK_ID_CURR', 'NAME_CONTRACT_TYPE', 'AMT_ANNUITY',
       'AMT_APPLICATION', 'AMT_CREDIT', 'AMT_DOWN_PAYMENT', 'AMT_GOODS_PRICE',
       'WEEKDAY_APPR_PROCESS_START', 'HOUR_APPR_PROCESS_START',
       'FLAG_LAST_APPL_PER_CONTRACT', 'NFLAG_LAST_APPL_IN_DAY',
       'RATE_DOWN_PAYMENT', 'RATE_INTEREST_PRIMARY',
       'RATE_INTEREST_PRIVILEGED', 'NAME_CASH_LOAN_PURPOSE',
       'NAME_CONTRACT_STATUS', 'DAYS_DECISION', 'NAME_PAYMENT_TYPE',
       'CODE_REJECT_REASON', 'NAME_TYPE_SUITE', 'NAME_CLIENT_TYPE',
       'NAME_GOODS_CATEGORY', 'NAME_PORTFOLIO', 'NAME_PRODUCT_TYPE',
       'CHANNEL_TYPE', 'SELLERPLACE_AREA', 'NAME_SELLER_INDUSTRY',
       'CNT_PAYMENT', 'NAME_YIELD_GROUP', 'PRODUCT_COMBINATION',
       'DAYS_FIRST_DRAWING', 'DAYS_FIRST_DUE', 'DAYS_LAST_DUE_1ST_VERSION',
       'DAYS_LAST_DUE', 'DAYS_TERMINATION', 'NFLAG_INSURED_ON_APPROVAL'],
      dtype='object')

#Describing the data
inp1.describe()

	SK_ID_PREV	SK_ID_CURR	AMT_ANNUITY	AMT_APPLICATION	AMT_CREDIT	AMT_DOWN_PAYMENT	AMT_GOODS_PRICE	HOUR_APPR_PROCESS_START	NFLAG_LAST_APPL_IN_DAY	RATE_DOWN_PAYMENT	...	RATE_INTEREST_PRIVILEGED	DAYS_DECISION	SELLERPLACE_AREA	CNT_PAYMENT	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
count	1.670214e+06	1.670214e+06	1.297979e+06	1.670214e+06	1.670213e+06	7.743700e+05	1.284699e+06	1.670214e+06	1.670214e+06	774370.000000	...	5951.000000	1.670214e+06	1.670214e+06	1.297984e+06	997149.000000	997149.000000	997149.000000	997149.000000	997149.000000	997149.000000
mean	1.923089e+06	2.783572e+05	1.595512e+04	1.752339e+05	1.961140e+05	6.697402e+03	2.278473e+05	1.248418e+01	9.964675e-01	0.079637	...	0.773503	-8.806797e+02	3.139511e+02	1.605408e+01	342209.855039	13826.269337	33767.774054	76582.403064	81992.343838	0.332570
std	5.325980e+05	1.028148e+05	1.478214e+04	2.927798e+05	3.185746e+05	2.092150e+04	3.153966e+05	3.334028e+00	5.932963e-02	0.107823	...	0.100879	7.790997e+02	7.127443e+03	1.456729e+01	88916.115833	72444.869708	106857.034789	149647.415123	153303.516729	0.471134
min	1.000001e+06	1.000010e+05	0.000000e+00	0.000000e+00	0.000000e+00	-9.000000e-01	0.000000e+00	0.000000e+00	0.000000e+00	-0.000015	...	0.373150	-2.922000e+03	-1.000000e+00	0.000000e+00	-2922.000000	-2892.000000	-2801.000000	-2889.000000	-2874.000000	0.000000
25%	1.461857e+06	1.893290e+05	6.321780e+03	1.872000e+04	2.416050e+04	0.000000e+00	5.084100e+04	1.000000e+01	1.000000e+00	0.000000	...	0.715645	-1.300000e+03	-1.000000e+00	6.000000e+00	365243.000000	-1628.000000	-1242.000000	-1314.000000	-1270.000000	0.000000
50%	1.923110e+06	2.787145e+05	1.125000e+04	7.104600e+04	8.054100e+04	1.638000e+03	1.123200e+05	1.200000e+01	1.000000e+00	0.051605	...	0.835095	-5.810000e+02	3.000000e+00	1.200000e+01	365243.000000	-831.000000	-361.000000	-537.000000	-499.000000	0.000000
75%	2.384280e+06	3.675140e+05	2.065842e+04	1.803600e+05	2.164185e+05	7.740000e+03	2.340000e+05	1.500000e+01	1.000000e+00	0.108909	...	0.852537	-2.800000e+02	8.200000e+01	2.400000e+01	365243.000000	-411.000000	129.000000	-74.000000	-44.000000	1.000000
max	2.845382e+06	4.562550e+05	4.180581e+05	6.905160e+06	6.905160e+06	3.060045e+06	6.905160e+06	2.300000e+01	1.000000e+00	1.000000	...	1.000000	-1.000000e+00	4.000000e+06	8.400000e+01	365243.000000	365243.000000	365243.000000	365243.000000	365243.000000	1.000000

8 rows × 21 columns

#Describing the data
inp1.describe()

	SK_ID_PREV	SK_ID_CURR	AMT_ANNUITY	AMT_APPLICATION	AMT_CREDIT	AMT_DOWN_PAYMENT	AMT_GOODS_PRICE	HOUR_APPR_PROCESS_START	NFLAG_LAST_APPL_IN_DAY	RATE_DOWN_PAYMENT	...	RATE_INTEREST_PRIVILEGED	DAYS_DECISION	SELLERPLACE_AREA	CNT_PAYMENT	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
count	1.670214e+06	1.670214e+06	1.297979e+06	1.670214e+06	1.670213e+06	7.743700e+05	1.284699e+06	1.670214e+06	1.670214e+06	774370.000000	...	5951.000000	1.670214e+06	1.670214e+06	1.297984e+06	997149.000000	997149.000000	997149.000000	997149.000000	997149.000000	997149.000000
mean	1.923089e+06	2.783572e+05	1.595512e+04	1.752339e+05	1.961140e+05	6.697402e+03	2.278473e+05	1.248418e+01	9.964675e-01	0.079637	...	0.773503	-8.806797e+02	3.139511e+02	1.605408e+01	342209.855039	13826.269337	33767.774054	76582.403064	81992.343838	0.332570
std	5.325980e+05	1.028148e+05	1.478214e+04	2.927798e+05	3.185746e+05	2.092150e+04	3.153966e+05	3.334028e+00	5.932963e-02	0.107823	...	0.100879	7.790997e+02	7.127443e+03	1.456729e+01	88916.115833	72444.869708	106857.034789	149647.415123	153303.516729	0.471134
min	1.000001e+06	1.000010e+05	0.000000e+00	0.000000e+00	0.000000e+00	-9.000000e-01	0.000000e+00	0.000000e+00	0.000000e+00	-0.000015	...	0.373150	-2.922000e+03	-1.000000e+00	0.000000e+00	-2922.000000	-2892.000000	-2801.000000	-2889.000000	-2874.000000	0.000000
25%	1.461857e+06	1.893290e+05	6.321780e+03	1.872000e+04	2.416050e+04	0.000000e+00	5.084100e+04	1.000000e+01	1.000000e+00	0.000000	...	0.715645	-1.300000e+03	-1.000000e+00	6.000000e+00	365243.000000	-1628.000000	-1242.000000	-1314.000000	-1270.000000	0.000000
50%	1.923110e+06	2.787145e+05	1.125000e+04	7.104600e+04	8.054100e+04	1.638000e+03	1.123200e+05	1.200000e+01	1.000000e+00	0.051605	...	0.835095	-5.810000e+02	3.000000e+00	1.200000e+01	365243.000000	-831.000000	-361.000000	-537.000000	-499.000000	0.000000
75%	2.384280e+06	3.675140e+05	2.065842e+04	1.803600e+05	2.164185e+05	7.740000e+03	2.340000e+05	1.500000e+01	1.000000e+00	0.108909	...	0.852537	-2.800000e+02	8.200000e+01	2.400000e+01	365243.000000	-411.000000	129.000000	-74.000000	-44.000000	1.000000
max	2.845382e+06	4.562550e+05	4.180581e+05	6.905160e+06	6.905160e+06	3.060045e+06	6.905160e+06	2.300000e+01	1.000000e+00	1.000000	...	1.000000	-1.000000e+00	4.000000e+06	8.400000e+01	365243.000000	365243.000000	365243.000000	365243.000000	365243.000000	1.000000

8 rows × 21 columns

Insight:

• From the above reading we can get certain details such as we have 1670214 rows and 30 columns.
• There are certain null values and negative values.
• Data cleaning is needed and standardisation of values also needed.

Data Cleaning

# find null values
null_values=inp1.isnull().sum()
null_values

SK_ID_PREV                           0
SK_ID_CURR                           0
NAME_CONTRACT_TYPE                   0
AMT_ANNUITY                     372235
AMT_APPLICATION                      0
AMT_CREDIT                           1
AMT_DOWN_PAYMENT                895844
AMT_GOODS_PRICE                 385515
WEEKDAY_APPR_PROCESS_START           0
HOUR_APPR_PROCESS_START              0
FLAG_LAST_APPL_PER_CONTRACT          0
NFLAG_LAST_APPL_IN_DAY               0
RATE_DOWN_PAYMENT               895844
RATE_INTEREST_PRIMARY          1664263
RATE_INTEREST_PRIVILEGED       1664263
NAME_CASH_LOAN_PURPOSE               0
NAME_CONTRACT_STATUS                 0
DAYS_DECISION                        0
NAME_PAYMENT_TYPE                    0
CODE_REJECT_REASON                   0
NAME_TYPE_SUITE                 820405
NAME_CLIENT_TYPE                     0
NAME_GOODS_CATEGORY                  0
NAME_PORTFOLIO                       0
NAME_PRODUCT_TYPE                    0
CHANNEL_TYPE                         0
SELLERPLACE_AREA                     0
NAME_SELLER_INDUSTRY                 0
CNT_PAYMENT                     372230
NAME_YIELD_GROUP                     0
PRODUCT_COMBINATION                346
DAYS_FIRST_DRAWING              673065
DAYS_FIRST_DUE                  673065
DAYS_LAST_DUE_1ST_VERSION       673065
DAYS_LAST_DUE                   673065
DAYS_TERMINATION                673065
NFLAG_INSURED_ON_APPROVAL       673065
dtype: int64

Handling missing values

null_values1 = round(inp1.isnull().sum()*100/len(inp1),2)

# identify data with more than 50% missing values
null_values1_50 = null_values1[null_values1>50]
null_values1_50

AMT_DOWN_PAYMENT            53.64
RATE_DOWN_PAYMENT           53.64
RATE_INTEREST_PRIMARY       99.64
RATE_INTEREST_PRIVILEGED    99.64
dtype: float64

#Total number of columns with more than 50% missing values
len(null_values1_50)

4

# Removing these 4 columns
null_values1_50.index

Index(['AMT_DOWN_PAYMENT', 'RATE_DOWN_PAYMENT', 'RATE_INTEREST_PRIMARY',
       'RATE_INTEREST_PRIVILEGED'],
      dtype='object')

inp1.drop(columns=null_values1_50.index, inplace=True)
inp1.shape

(1670214, 33)

null_values1 = round(inp1.isnull().sum()*100/len(inp1),2)
null_values1

SK_ID_PREV                      0.00
SK_ID_CURR                      0.00
NAME_CONTRACT_TYPE              0.00
AMT_ANNUITY                    22.29
AMT_APPLICATION                 0.00
AMT_CREDIT                      0.00
AMT_GOODS_PRICE                23.08
WEEKDAY_APPR_PROCESS_START      0.00
HOUR_APPR_PROCESS_START         0.00
FLAG_LAST_APPL_PER_CONTRACT     0.00
NFLAG_LAST_APPL_IN_DAY          0.00
NAME_CASH_LOAN_PURPOSE          0.00
NAME_CONTRACT_STATUS            0.00
DAYS_DECISION                   0.00
NAME_PAYMENT_TYPE               0.00
CODE_REJECT_REASON              0.00
NAME_TYPE_SUITE                49.12
NAME_CLIENT_TYPE                0.00
NAME_GOODS_CATEGORY             0.00
NAME_PORTFOLIO                  0.00
NAME_PRODUCT_TYPE               0.00
CHANNEL_TYPE                    0.00
SELLERPLACE_AREA                0.00
NAME_SELLER_INDUSTRY            0.00
CNT_PAYMENT                    22.29
NAME_YIELD_GROUP                0.00
PRODUCT_COMBINATION             0.02
DAYS_FIRST_DRAWING             40.30
DAYS_FIRST_DUE                 40.30
DAYS_LAST_DUE_1ST_VERSION      40.30
DAYS_LAST_DUE                  40.30
DAYS_TERMINATION               40.30
NFLAG_INSURED_ON_APPROVAL      40.30
dtype: float64

#Droping columns comprising more than 20% null values other than Occupation_Type
null_values1_20=null_values1[null_values1>20]
null_values1_20

AMT_ANNUITY                  22.29
AMT_GOODS_PRICE              23.08
NAME_TYPE_SUITE              49.12
CNT_PAYMENT                  22.29
DAYS_FIRST_DRAWING           40.30
DAYS_FIRST_DUE               40.30
DAYS_LAST_DUE_1ST_VERSION    40.30
DAYS_LAST_DUE                40.30
DAYS_TERMINATION             40.30
NFLAG_INSURED_ON_APPROVAL    40.30
dtype: float64

inp1[null_values1_20.index]

	AMT_ANNUITY	AMT_GOODS_PRICE	NAME_TYPE_SUITE	CNT_PAYMENT	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
0	1730.430	17145.0	NaN	12.0	365243.0	-42.0	300.0	-42.0	-37.0	0.0
1	25188.615	607500.0	Unaccompanied	36.0	365243.0	-134.0	916.0	365243.0	365243.0	1.0
2	15060.735	112500.0	Spouse, partner	12.0	365243.0	-271.0	59.0	365243.0	365243.0	1.0
3	47041.335	450000.0	NaN	12.0	365243.0	-482.0	-152.0	-182.0	-177.0	1.0
4	31924.395	337500.0	NaN	24.0	NaN	NaN	NaN	NaN	NaN	NaN
...	...	...	...	...	...	...	...	...	...	...
1670209	14704.290	267295.5	NaN	30.0	365243.0	-508.0	362.0	-358.0	-351.0	0.0
1670210	6622.020	87750.0	Unaccompanied	12.0	365243.0	-1604.0	-1274.0	-1304.0	-1297.0	0.0
1670211	11520.855	105237.0	Spouse, partner	10.0	365243.0	-1457.0	-1187.0	-1187.0	-1181.0	0.0
1670212	18821.520	180000.0	Family	12.0	365243.0	-1155.0	-825.0	-825.0	-817.0	1.0
1670213	16431.300	360000.0	Family	48.0	365243.0	-1163.0	247.0	-443.0	-423.0	0.0

1670214 rows × 10 columns

# Droping down unnecessary columns
inp1.head(10)
unnec_col1=["WEEKDAY_APPR_PROCESS_START","HOUR_APPR_PROCESS_START",
       "FLAG_LAST_APPL_PER_CONTRACT","NFLAG_LAST_APPL_IN_DAY"]
inp1.drop(labels=unnec_col1, axis=1,inplace=True)
inp1.head()

	SK_ID_PREV	SK_ID_CURR	NAME_CONTRACT_TYPE	AMT_ANNUITY	AMT_APPLICATION	AMT_CREDIT	AMT_GOODS_PRICE	NAME_CASH_LOAN_PURPOSE	NAME_CONTRACT_STATUS	DAYS_DECISION	...	NAME_SELLER_INDUSTRY	CNT_PAYMENT	NAME_YIELD_GROUP	PRODUCT_COMBINATION	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
0	2030495	271877	Consumer loans	1730.430	17145.0	17145.0	17145.0	XAP	Approved	-73	...	Connectivity	12.0	middle	POS mobile with interest	365243.0	-42.0	300.0	-42.0	-37.0	0.0
1	2802425	108129	Cash loans	25188.615	607500.0	679671.0	607500.0	XNA	Approved	-164	...	XNA	36.0	low_action	Cash X-Sell: low	365243.0	-134.0	916.0	365243.0	365243.0	1.0
2	2523466	122040	Cash loans	15060.735	112500.0	136444.5	112500.0	XNA	Approved	-301	...	XNA	12.0	high	Cash X-Sell: high	365243.0	-271.0	59.0	365243.0	365243.0	1.0
3	2819243	176158	Cash loans	47041.335	450000.0	470790.0	450000.0	XNA	Approved	-512	...	XNA	12.0	middle	Cash X-Sell: middle	365243.0	-482.0	-152.0	-182.0	-177.0	1.0
4	1784265	202054	Cash loans	31924.395	337500.0	404055.0	337500.0	Repairs	Refused	-781	...	XNA	24.0	high	Cash Street: high	NaN	NaN	NaN	NaN	NaN	NaN

5 rows × 29 columns

inp1.shape

(1670214, 29)

# Treatment of imp columns
#Treating null values in the column AMT_ANNUITY

inp1.AMT_ANNUITY.isnull().sum()

372235

#Here the data of this column is skewed that is the reason null values are replaced with the median.
amt_annuity_median=inp1.AMT_ANNUITY.median()
amt_annuity_median

11250.0

# Replacing null values with median 
inp1.AMT_ANNUITY.fillna(amt_annuity_median,inplace= True)
inp1.AMT_ANNUITY.value_counts(normalize=True)

11250.000    2.312332e-01
2250.000     1.907839e-02
6750.000     8.048070e-03
9000.000     7.481676e-03
22500.000    7.126632e-03
                 ...     
3794.445     5.987257e-07
8723.160     5.987257e-07
27948.330    5.987257e-07
25374.285    5.987257e-07
14704.290    5.987257e-07
Name: AMT_ANNUITY, Length: 357959, dtype: float64

# Rechecking null values in column AMT_ANNUITY
inp1.AMT_ANNUITY.isnull().sum()

0

inp1.isnull().sum()

SK_ID_PREV                        0
SK_ID_CURR                        0
NAME_CONTRACT_TYPE                0
AMT_ANNUITY                       0
AMT_APPLICATION                   0
AMT_CREDIT                        1
AMT_GOODS_PRICE              385515
NAME_CASH_LOAN_PURPOSE            0
NAME_CONTRACT_STATUS              0
DAYS_DECISION                     0
NAME_PAYMENT_TYPE                 0
CODE_REJECT_REASON                0
NAME_TYPE_SUITE              820405
NAME_CLIENT_TYPE                  0
NAME_GOODS_CATEGORY               0
NAME_PORTFOLIO                    0
NAME_PRODUCT_TYPE                 0
CHANNEL_TYPE                      0
SELLERPLACE_AREA                  0
NAME_SELLER_INDUSTRY              0
CNT_PAYMENT                  372230
NAME_YIELD_GROUP                  0
PRODUCT_COMBINATION             346
DAYS_FIRST_DRAWING           673065
DAYS_FIRST_DUE               673065
DAYS_LAST_DUE_1ST_VERSION    673065
DAYS_LAST_DUE                673065
DAYS_TERMINATION             673065
NFLAG_INSURED_ON_APPROVAL    673065
dtype: int64

inp1.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 1670214 entries, 0 to 1670213
Data columns (total 29 columns):
 #   Column                     Non-Null Count    Dtype  
---  ------                     --------------    -----  
 0   SK_ID_PREV                 1670214 non-null  int64  
 1   SK_ID_CURR                 1670214 non-null  int64  
 2   NAME_CONTRACT_TYPE         1670214 non-null  object 
 3   AMT_ANNUITY                1670214 non-null  float64
 4   AMT_APPLICATION            1670214 non-null  float64
 5   AMT_CREDIT                 1670213 non-null  float64
 6   AMT_GOODS_PRICE            1284699 non-null  float64
 7   NAME_CASH_LOAN_PURPOSE     1670214 non-null  object 
 8   NAME_CONTRACT_STATUS       1670214 non-null  object 
 9   DAYS_DECISION              1670214 non-null  int64  
 10  NAME_PAYMENT_TYPE          1670214 non-null  object 
 11  CODE_REJECT_REASON         1670214 non-null  object 
 12  NAME_TYPE_SUITE            849809 non-null   object 
 13  NAME_CLIENT_TYPE           1670214 non-null  object 
 14  NAME_GOODS_CATEGORY        1670214 non-null  object 
 15  NAME_PORTFOLIO             1670214 non-null  object 
 16  NAME_PRODUCT_TYPE          1670214 non-null  object 
 17  CHANNEL_TYPE               1670214 non-null  object 
 18  SELLERPLACE_AREA           1670214 non-null  int64  
 19  NAME_SELLER_INDUSTRY       1670214 non-null  object 
 20  CNT_PAYMENT                1297984 non-null  float64
 21  NAME_YIELD_GROUP           1670214 non-null  object 
 22  PRODUCT_COMBINATION        1669868 non-null  object 
 23  DAYS_FIRST_DRAWING         997149 non-null   float64
 24  DAYS_FIRST_DUE             997149 non-null   float64
 25  DAYS_LAST_DUE_1ST_VERSION  997149 non-null   float64
 26  DAYS_LAST_DUE              997149 non-null   float64
 27  DAYS_TERMINATION           997149 non-null   float64
 28  NFLAG_INSURED_ON_APPROVAL  997149 non-null   float64
dtypes: float64(11), int64(4), object(14)
memory usage: 369.5+ MB

#Treating null values in the column AMT_GOODS_PRICE
inp1.AMT_GOODS_PRICE.isnull().sum()

385515

#Here the data of this column is skewed that is the reason null values are replaced with the median.
amt_goods_price_median=inp1.AMT_ANNUITY.median()
amt_goods_price_median

11250.0

# Replacing null values with median 
inp1.AMT_GOODS_PRICE.fillna(amt_goods_price_median,inplace= True)
inp1.AMT_GOODS_PRICE.value_counts(normalize=True)

11250.000     2.308237e-01
45000.000     2.863765e-02
225000.000    2.607390e-02
135000.000    2.434778e-02
450000.000    2.330600e-02
                  ...     
654250.410    5.987257e-07
117653.850    5.987257e-07
83408.625     5.987257e-07
556677.000    5.987257e-07
267295.500    5.987257e-07
Name: AMT_GOODS_PRICE, Length: 93885, dtype: float64

#Rechecking null values in column AMT_GOODS_PRICE
inp1.AMT_GOODS_PRICE.isnull().sum()

0

inp1.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 1670214 entries, 0 to 1670213
Data columns (total 29 columns):
 #   Column                     Non-Null Count    Dtype  
---  ------                     --------------    -----  
 0   SK_ID_PREV                 1670214 non-null  int64  
 1   SK_ID_CURR                 1670214 non-null  int64  
 2   NAME_CONTRACT_TYPE         1670214 non-null  object 
 3   AMT_ANNUITY                1670214 non-null  float64
 4   AMT_APPLICATION            1670214 non-null  float64
 5   AMT_CREDIT                 1670213 non-null  float64
 6   AMT_GOODS_PRICE            1670214 non-null  float64
 7   NAME_CASH_LOAN_PURPOSE     1670214 non-null  object 
 8   NAME_CONTRACT_STATUS       1670214 non-null  object 
 9   DAYS_DECISION              1670214 non-null  int64  
 10  NAME_PAYMENT_TYPE          1670214 non-null  object 
 11  CODE_REJECT_REASON         1670214 non-null  object 
 12  NAME_TYPE_SUITE            849809 non-null   object 
 13  NAME_CLIENT_TYPE           1670214 non-null  object 
 14  NAME_GOODS_CATEGORY        1670214 non-null  object 
 15  NAME_PORTFOLIO             1670214 non-null  object 
 16  NAME_PRODUCT_TYPE          1670214 non-null  object 
 17  CHANNEL_TYPE               1670214 non-null  object 
 18  SELLERPLACE_AREA           1670214 non-null  int64  
 19  NAME_SELLER_INDUSTRY       1670214 non-null  object 
 20  CNT_PAYMENT                1297984 non-null  float64
 21  NAME_YIELD_GROUP           1670214 non-null  object 
 22  PRODUCT_COMBINATION        1669868 non-null  object 
 23  DAYS_FIRST_DRAWING         997149 non-null   float64
 24  DAYS_FIRST_DUE             997149 non-null   float64
 25  DAYS_LAST_DUE_1ST_VERSION  997149 non-null   float64
 26  DAYS_LAST_DUE              997149 non-null   float64
 27  DAYS_TERMINATION           997149 non-null   float64
 28  NFLAG_INSURED_ON_APPROVAL  997149 non-null   float64
dtypes: float64(11), int64(4), object(14)
memory usage: 369.5+ MB

#Treating null values in the column CNT_PAYMENT

inp1.CNT_PAYMENT.isnull().sum()

372230

#Here the data of this column is skewed that is the reason null values are replaced with the median.
cnt_payment_median=inp1.CNT_PAYMENT.median()
cnt_payment_median

12.0

# Replacing null values with median 
inp1.CNT_PAYMENT.fillna(cnt_payment_median,inplace= True)
inp1.CNT_PAYMENT.value_counts(normalize=True)

12.0    4.162814e-01
6.0     1.140339e-01
0.0     8.680624e-02
10.0    8.492984e-02
24.0    8.248284e-02
18.0    4.635933e-02
36.0    4.345731e-02
60.0    3.209170e-02
48.0    2.832930e-02
8.0     1.817073e-02
4.0     1.612009e-02
30.0    1.013283e-02
14.0    4.941283e-03
42.0    4.272506e-03
16.0    3.418724e-03
5.0     2.369157e-03
54.0    1.259719e-03
20.0    1.080700e-03
7.0     8.585726e-04
9.0     7.400249e-04
3.0     6.585982e-04
15.0    5.412480e-04
11.0    4.005475e-04
72.0    8.322287e-05
13.0    3.053501e-05
17.0    2.873883e-05
84.0    2.694266e-05
22.0    2.215285e-05
23.0    1.616559e-05
26.0    7.783434e-06
35.0    6.585982e-06
66.0    5.987257e-06
28.0    4.789805e-06
29.0    4.789805e-06
32.0    3.592354e-06
19.0    3.592354e-06
34.0    2.394903e-06
59.0    2.394903e-06
41.0    1.796177e-06
47.0    1.796177e-06
45.0    1.796177e-06
21.0    1.796177e-06
44.0    1.197451e-06
39.0    1.197451e-06
46.0    1.197451e-06
38.0    1.197451e-06
33.0    5.987257e-07
40.0    5.987257e-07
53.0    5.987257e-07
Name: CNT_PAYMENT, dtype: float64

inp1.CNT_PAYMENT.isnull().sum()

0

inp1.head()

	SK_ID_PREV	SK_ID_CURR	NAME_CONTRACT_TYPE	AMT_ANNUITY	AMT_APPLICATION	AMT_CREDIT	AMT_GOODS_PRICE	NAME_CASH_LOAN_PURPOSE	NAME_CONTRACT_STATUS	DAYS_DECISION	...	NAME_SELLER_INDUSTRY	CNT_PAYMENT	NAME_YIELD_GROUP	PRODUCT_COMBINATION	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
0	2030495	271877	Consumer loans	1730.430	17145.0	17145.0	17145.0	XAP	Approved	-73	...	Connectivity	12.0	middle	POS mobile with interest	365243.0	-42.0	300.0	-42.0	-37.0	0.0
1	2802425	108129	Cash loans	25188.615	607500.0	679671.0	607500.0	XNA	Approved	-164	...	XNA	36.0	low_action	Cash X-Sell: low	365243.0	-134.0	916.0	365243.0	365243.0	1.0
2	2523466	122040	Cash loans	15060.735	112500.0	136444.5	112500.0	XNA	Approved	-301	...	XNA	12.0	high	Cash X-Sell: high	365243.0	-271.0	59.0	365243.0	365243.0	1.0
3	2819243	176158	Cash loans	47041.335	450000.0	470790.0	450000.0	XNA	Approved	-512	...	XNA	12.0	middle	Cash X-Sell: middle	365243.0	-482.0	-152.0	-182.0	-177.0	1.0
4	1784265	202054	Cash loans	31924.395	337500.0	404055.0	337500.0	Repairs	Refused	-781	...	XNA	24.0	high	Cash Street: high	NaN	NaN	NaN	NaN	NaN	NaN

5 rows × 29 columns

#Treating null values of column NAME_TYPE_SUITE
inp1.NAME_TYPE_SUITE.describe()

count            849809
unique                7
top       Unaccompanied
freq             508970
Name: NAME_TYPE_SUITE, dtype: object

#Unique value is 7 and top value is Unaccompanied so replace null values with it
inp1["NAME_TYPE_SUITE"]=inp1["NAME_TYPE_SUITE"].fillna("Unaccompanied")
#cross check for null values in OCCUPATION_TYPE
inp1["NAME_TYPE_SUITE"].isnull().sum()

0

inp1.isnull().sum()

SK_ID_PREV                        0
SK_ID_CURR                        0
NAME_CONTRACT_TYPE                0
AMT_ANNUITY                       0
AMT_APPLICATION                   0
AMT_CREDIT                        1
AMT_GOODS_PRICE                   0
NAME_CASH_LOAN_PURPOSE            0
NAME_CONTRACT_STATUS              0
DAYS_DECISION                     0
NAME_PAYMENT_TYPE                 0
CODE_REJECT_REASON                0
NAME_TYPE_SUITE                   0
NAME_CLIENT_TYPE                  0
NAME_GOODS_CATEGORY               0
NAME_PORTFOLIO                    0
NAME_PRODUCT_TYPE                 0
CHANNEL_TYPE                      0
SELLERPLACE_AREA                  0
NAME_SELLER_INDUSTRY              0
CNT_PAYMENT                       0
NAME_YIELD_GROUP                  0
PRODUCT_COMBINATION             346
DAYS_FIRST_DRAWING           673065
DAYS_FIRST_DUE               673065
DAYS_LAST_DUE_1ST_VERSION    673065
DAYS_LAST_DUE                673065
DAYS_TERMINATION             673065
NFLAG_INSURED_ON_APPROVAL    673065
dtype: int64

#check remaining columns to check standardisation 
column_days1 = ["DAYS_FIRST_DRAWING","DAYS_FIRST_DUE","DAYS_LAST_DUE_1ST_VERSION","DAYS_LAST_DUE","DAYS_TERMINATION"]
inp1[column_days1].describe()

	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION
count	997149.000000	997149.000000	997149.000000	997149.000000	997149.000000
mean	342209.855039	13826.269337	33767.774054	76582.403064	81992.343838
std	88916.115833	72444.869708	106857.034789	149647.415123	153303.516729
min	-2922.000000	-2892.000000	-2801.000000	-2889.000000	-2874.000000
25%	365243.000000	-1628.000000	-1242.000000	-1314.000000	-1270.000000
50%	365243.000000	-831.000000	-361.000000	-537.000000	-499.000000
75%	365243.000000	-411.000000	129.000000	-74.000000	-44.000000
max	365243.000000	365243.000000	365243.000000	365243.000000	365243.000000

#correcting negative values
inp1[column_days1]=abs(inp1[column_days1])
inp1[column_days1].describe()

	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION
count	997149.000000	997149.000000	997149.000000	997149.000000	997149.000000
mean	342340.056543	15949.224065	35163.363265	78152.730207	83505.775017
std	88413.495220	72007.270877	106405.950190	148833.342466	152484.418802
min	2.000000	2.000000	0.000000	2.000000	2.000000
25%	365243.000000	475.000000	257.000000	455.000000	447.000000
50%	365243.000000	921.000000	741.000000	1155.000000	1171.000000
75%	365243.000000	1825.000000	1735.000000	2418.000000	2501.000000
max	365243.000000	365243.000000	365243.000000	365243.000000	365243.000000

inp1.isnull().sum()

SK_ID_PREV                        0
SK_ID_CURR                        0
NAME_CONTRACT_TYPE                0
AMT_ANNUITY                       0
AMT_APPLICATION                   0
AMT_CREDIT                        1
AMT_GOODS_PRICE                   0
NAME_CASH_LOAN_PURPOSE            0
NAME_CONTRACT_STATUS              0
DAYS_DECISION                     0
NAME_PAYMENT_TYPE                 0
CODE_REJECT_REASON                0
NAME_TYPE_SUITE                   0
NAME_CLIENT_TYPE                  0
NAME_GOODS_CATEGORY               0
NAME_PORTFOLIO                    0
NAME_PRODUCT_TYPE                 0
CHANNEL_TYPE                      0
SELLERPLACE_AREA                  0
NAME_SELLER_INDUSTRY              0
CNT_PAYMENT                       0
NAME_YIELD_GROUP                  0
PRODUCT_COMBINATION             346
DAYS_FIRST_DRAWING           673065
DAYS_FIRST_DUE               673065
DAYS_LAST_DUE_1ST_VERSION    673065
DAYS_LAST_DUE                673065
DAYS_TERMINATION             673065
NFLAG_INSURED_ON_APPROVAL    673065
dtype: int64

inp1.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 1670214 entries, 0 to 1670213
Data columns (total 29 columns):
 #   Column                     Non-Null Count    Dtype  
---  ------                     --------------    -----  
 0   SK_ID_PREV                 1670214 non-null  int64  
 1   SK_ID_CURR                 1670214 non-null  int64  
 2   NAME_CONTRACT_TYPE         1670214 non-null  object 
 3   AMT_ANNUITY                1670214 non-null  float64
 4   AMT_APPLICATION            1670214 non-null  float64
 5   AMT_CREDIT                 1670213 non-null  float64
 6   AMT_GOODS_PRICE            1670214 non-null  float64
 7   NAME_CASH_LOAN_PURPOSE     1670214 non-null  object 
 8   NAME_CONTRACT_STATUS       1670214 non-null  object 
 9   DAYS_DECISION              1670214 non-null  int64  
 10  NAME_PAYMENT_TYPE          1670214 non-null  object 
 11  CODE_REJECT_REASON         1670214 non-null  object 
 12  NAME_TYPE_SUITE            1670214 non-null  object 
 13  NAME_CLIENT_TYPE           1670214 non-null  object 
 14  NAME_GOODS_CATEGORY        1670214 non-null  object 
 15  NAME_PORTFOLIO             1670214 non-null  object 
 16  NAME_PRODUCT_TYPE          1670214 non-null  object 
 17  CHANNEL_TYPE               1670214 non-null  object 
 18  SELLERPLACE_AREA           1670214 non-null  int64  
 19  NAME_SELLER_INDUSTRY       1670214 non-null  object 
 20  CNT_PAYMENT                1670214 non-null  float64
 21  NAME_YIELD_GROUP           1670214 non-null  object 
 22  PRODUCT_COMBINATION        1669868 non-null  object 
 23  DAYS_FIRST_DRAWING         997149 non-null   float64
 24  DAYS_FIRST_DUE             997149 non-null   float64
 25  DAYS_LAST_DUE_1ST_VERSION  997149 non-null   float64
 26  DAYS_LAST_DUE              997149 non-null   float64
 27  DAYS_TERMINATION           997149 non-null   float64
 28  NFLAG_INSURED_ON_APPROVAL  997149 non-null   float64
dtypes: float64(11), int64(4), object(14)
memory usage: 369.5+ MB

# fill null values of remaining important columns
days_installments=["DAYS_FIRST_DRAWING","DAYS_FIRST_DUE","DAYS_LAST_DUE_1ST_VERSION","DAYS_LAST_DUE","DAYS_TERMINATION"]

inp1.fillna(inp1[days_installments].median(),inplace=True)        
inp1.isnull().sum()

SK_ID_PREV                        0
SK_ID_CURR                        0
NAME_CONTRACT_TYPE                0
AMT_ANNUITY                       0
AMT_APPLICATION                   0
AMT_CREDIT                        1
AMT_GOODS_PRICE                   0
NAME_CASH_LOAN_PURPOSE            0
NAME_CONTRACT_STATUS              0
DAYS_DECISION                     0
NAME_PAYMENT_TYPE                 0
CODE_REJECT_REASON                0
NAME_TYPE_SUITE                   0
NAME_CLIENT_TYPE                  0
NAME_GOODS_CATEGORY               0
NAME_PORTFOLIO                    0
NAME_PRODUCT_TYPE                 0
CHANNEL_TYPE                      0
SELLERPLACE_AREA                  0
NAME_SELLER_INDUSTRY              0
CNT_PAYMENT                       0
NAME_YIELD_GROUP                  0
PRODUCT_COMBINATION             346
DAYS_FIRST_DRAWING                0
DAYS_FIRST_DUE                    0
DAYS_LAST_DUE_1ST_VERSION         0
DAYS_LAST_DUE                     0
DAYS_TERMINATION                  0
NFLAG_INSURED_ON_APPROVAL    673065
dtype: int64

# fill null values of remaining important columns

inp1.NFLAG_INSURED_ON_APPROVAL.fillna(0,inplace=True)        
inp1.isnull().sum()

SK_ID_PREV                     0
SK_ID_CURR                     0
NAME_CONTRACT_TYPE             0
AMT_ANNUITY                    0
AMT_APPLICATION                0
AMT_CREDIT                     1
AMT_GOODS_PRICE                0
NAME_CASH_LOAN_PURPOSE         0
NAME_CONTRACT_STATUS           0
DAYS_DECISION                  0
NAME_PAYMENT_TYPE              0
CODE_REJECT_REASON             0
NAME_TYPE_SUITE                0
NAME_CLIENT_TYPE               0
NAME_GOODS_CATEGORY            0
NAME_PORTFOLIO                 0
NAME_PRODUCT_TYPE              0
CHANNEL_TYPE                   0
SELLERPLACE_AREA               0
NAME_SELLER_INDUSTRY           0
CNT_PAYMENT                    0
NAME_YIELD_GROUP               0
PRODUCT_COMBINATION          346
DAYS_FIRST_DRAWING             0
DAYS_FIRST_DUE                 0
DAYS_LAST_DUE_1ST_VERSION      0
DAYS_LAST_DUE                  0
DAYS_TERMINATION               0
NFLAG_INSURED_ON_APPROVAL      0
dtype: int64

Outlier Handling

inp1.describe()

	SK_ID_PREV	SK_ID_CURR	AMT_ANNUITY	AMT_APPLICATION	AMT_CREDIT	AMT_GOODS_PRICE	DAYS_DECISION	SELLERPLACE_AREA	CNT_PAYMENT	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL
count	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670213e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06	1.670214e+06
mean	1.923089e+06	2.783572e+05	1.490651e+04	1.752339e+05	1.961140e+05	1.778528e+05	-8.806797e+02	3.139511e+02	1.515057e+01	3.515695e+05	9.893131e+03	2.129179e+04	4.712409e+04	5.032640e+04	1.985506e-01
std	5.325980e+05	1.028148e+05	1.317751e+04	2.927798e+05	3.185746e+05	2.912793e+05	7.790997e+02	7.127443e+03	1.295220e+01	6.923193e+04	5.612401e+04	8.393241e+04	1.210419e+05	1.245493e+05	3.989090e-01
min	1.000001e+06	1.000010e+05	0.000000e+00	0.000000e+00	0.000000e+00	0.000000e+00	-2.922000e+03	-1.000000e+00	0.000000e+00	2.000000e+00	2.000000e+00	0.000000e+00	2.000000e+00	2.000000e+00	0.000000e+00
25%	1.461857e+06	1.893290e+05	7.547096e+03	1.872000e+04	2.416050e+04	1.872000e+04	-1.300000e+03	-1.000000e+00	1.000000e+01	3.652430e+05	7.520000e+02	5.360000e+02	8.730000e+02	8.760000e+02	0.000000e+00
50%	1.923110e+06	2.787145e+05	1.125000e+04	7.104600e+04	8.054100e+04	7.105050e+04	-5.810000e+02	3.000000e+00	1.200000e+01	3.652430e+05	9.210000e+02	7.410000e+02	1.155000e+03	1.171000e+03	0.000000e+00
75%	2.384280e+06	3.675140e+05	1.682403e+04	1.803600e+05	2.164185e+05	1.804050e+05	-2.800000e+02	8.200000e+01	1.600000e+01	3.652430e+05	1.132000e+03	9.960000e+02	1.518000e+03	1.544000e+03	0.000000e+00
max	2.845382e+06	4.562550e+05	4.180581e+05	6.905160e+06	6.905160e+06	6.905160e+06	-1.000000e+00	4.000000e+06	8.400000e+01	3.652430e+05	3.652430e+05	3.652430e+05	3.652430e+05	3.652430e+05	1.000000e+00

With the help of description we can identify columns that contain outliers as it will provide a difference between max and different percentile.

#important columns with outliers(variables)
plt.figure(figsize=(11,3))
sns.boxplot(inp1.AMT_ANNUITY)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp1.AMT_APPLICATION)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp1.AMT_CREDIT)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp1.AMT_GOODS_PRICE)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp1.DAYS_DECISION)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp1.SELLERPLACE_AREA)
plt.show()

plt.figure(figsize=(11,3))
sns.boxplot(inp1.CNT_PAYMENT)
plt.show()

Insight:

From application data we can say that

• There are huge numbers of outliers available in AMT_ANNUITY,AMT_APPLICATION,AMT_CREDIT,AMT_GOODS_PRICE,CNT_PAYMENT.
• DAYS_DECISION has few numbers of outliers.
• SELLERPLACE_AREA has also, outliers in high numbers.

#create bins for AMT_APPLICATION

bins=[0,150000,300000,450000,600000,750000]
binned_category=["Very Low","Low","Medium","High","Very High"]
inp1["AMT_APPLICATION_RANGE"]=pd.cut(inp1["AMT_APPLICATION"],bins=bins,labels=binned_category)

inp1.AMT_APPLICATION.head()

0     17145.0
1    607500.0
2    112500.0
3    450000.0
4    337500.0
Name: AMT_APPLICATION, dtype: float64

#identify unique entries
inp1.nunique().sort_values(ascending=False)

SK_ID_PREV                   1670214
AMT_ANNUITY                   357959
SK_ID_CURR                    338857
AMT_APPLICATION                93885
AMT_GOODS_PRICE                93885
AMT_CREDIT                     86803
DAYS_DECISION                   2922
DAYS_FIRST_DUE                  2892
DAYS_LAST_DUE                   2873
DAYS_FIRST_DRAWING              2838
DAYS_TERMINATION                2830
DAYS_LAST_DUE_1ST_VERSION       2803
SELLERPLACE_AREA                2097
CNT_PAYMENT                       49
NAME_GOODS_CATEGORY               28
NAME_CASH_LOAN_PURPOSE            25
PRODUCT_COMBINATION               17
NAME_SELLER_INDUSTRY              11
CODE_REJECT_REASON                 9
CHANNEL_TYPE                       8
NAME_TYPE_SUITE                    7
NAME_PORTFOLIO                     5
NAME_YIELD_GROUP                   5
AMT_APPLICATION_RANGE              5
NAME_CLIENT_TYPE                   4
NAME_PAYMENT_TYPE                  4
NAME_CONTRACT_STATUS               4
NAME_CONTRACT_TYPE                 4
NAME_PRODUCT_TYPE                  3
NFLAG_INSURED_ON_APPROVAL          2
dtype: int64

inp1.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 1670214 entries, 0 to 1670213
Data columns (total 30 columns):
 #   Column                     Non-Null Count    Dtype   
---  ------                     --------------    -----   
 0   SK_ID_PREV                 1670214 non-null  int64   
 1   SK_ID_CURR                 1670214 non-null  int64   
 2   NAME_CONTRACT_TYPE         1670214 non-null  object  
 3   AMT_ANNUITY                1670214 non-null  float64 
 4   AMT_APPLICATION            1670214 non-null  float64 
 5   AMT_CREDIT                 1670213 non-null  float64 
 6   AMT_GOODS_PRICE            1670214 non-null  float64 
 7   NAME_CASH_LOAN_PURPOSE     1670214 non-null  object  
 8   NAME_CONTRACT_STATUS       1670214 non-null  object  
 9   DAYS_DECISION              1670214 non-null  int64   
 10  NAME_PAYMENT_TYPE          1670214 non-null  object  
 11  CODE_REJECT_REASON         1670214 non-null  object  
 12  NAME_TYPE_SUITE            1670214 non-null  object  
 13  NAME_CLIENT_TYPE           1670214 non-null  object  
 14  NAME_GOODS_CATEGORY        1670214 non-null  object  
 15  NAME_PORTFOLIO             1670214 non-null  object  
 16  NAME_PRODUCT_TYPE          1670214 non-null  object  
 17  CHANNEL_TYPE               1670214 non-null  object  
 18  SELLERPLACE_AREA           1670214 non-null  int64   
 19  NAME_SELLER_INDUSTRY       1670214 non-null  object  
 20  CNT_PAYMENT                1670214 non-null  float64 
 21  NAME_YIELD_GROUP           1670214 non-null  object  
 22  PRODUCT_COMBINATION        1669868 non-null  object  
 23  DAYS_FIRST_DRAWING         1670214 non-null  float64 
 24  DAYS_FIRST_DUE             1670214 non-null  float64 
 25  DAYS_LAST_DUE_1ST_VERSION  1670214 non-null  float64 
 26  DAYS_LAST_DUE              1670214 non-null  float64 
 27  DAYS_TERMINATION           1670214 non-null  float64 
 28  NFLAG_INSURED_ON_APPROVAL  1670214 non-null  float64 
 29  AMT_APPLICATION_RANGE      1187638 non-null  category
dtypes: category(1), float64(11), int64(4), object(14)
memory usage: 371.1+ MB

#Convert important columns to cateorial column
inp1.columns

Index(['SK_ID_PREV', 'SK_ID_CURR', 'NAME_CONTRACT_TYPE', 'AMT_ANNUITY',
       'AMT_APPLICATION', 'AMT_CREDIT', 'AMT_GOODS_PRICE',
       'NAME_CASH_LOAN_PURPOSE', 'NAME_CONTRACT_STATUS', 'DAYS_DECISION',
       'NAME_PAYMENT_TYPE', 'CODE_REJECT_REASON', 'NAME_TYPE_SUITE',
       'NAME_CLIENT_TYPE', 'NAME_GOODS_CATEGORY', 'NAME_PORTFOLIO',
       'NAME_PRODUCT_TYPE', 'CHANNEL_TYPE', 'SELLERPLACE_AREA',
       'NAME_SELLER_INDUSTRY', 'CNT_PAYMENT', 'NAME_YIELD_GROUP',
       'PRODUCT_COMBINATION', 'DAYS_FIRST_DRAWING', 'DAYS_FIRST_DUE',
       'DAYS_LAST_DUE_1ST_VERSION', 'DAYS_LAST_DUE', 'DAYS_TERMINATION',
       'NFLAG_INSURED_ON_APPROVAL', 'AMT_APPLICATION_RANGE'],
      dtype='object')

converted_columns1 = ["NAME_CASH_LOAN_PURPOSE","NAME_CONTRACT_STATUS","NAME_PAYMENT_TYPE","CODE_REJECT_REASON","NAME_TYPE_SUITE","NAME_CLIENT_TYPE","NAME_GOODS_CATEGORY","NAME_PORTFOLIO","NAME_PRODUCT_TYPE","CHANNEL_TYPE","NAME_SELLER_INDUSTRY","NAME_YIELD_GROUP","PRODUCT_COMBINATION"]                    
    
for column in converted_columns1:
    inp1[column] = pd.Categorical(inp1[column])

inp1.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 1670214 entries, 0 to 1670213
Data columns (total 30 columns):
 #   Column                     Non-Null Count    Dtype   
---  ------                     --------------    -----   
 0   SK_ID_PREV                 1670214 non-null  int64   
 1   SK_ID_CURR                 1670214 non-null  int64   
 2   NAME_CONTRACT_TYPE         1670214 non-null  object  
 3   AMT_ANNUITY                1670214 non-null  float64 
 4   AMT_APPLICATION            1670214 non-null  float64 
 5   AMT_CREDIT                 1670213 non-null  float64 
 6   AMT_GOODS_PRICE            1670214 non-null  float64 
 7   NAME_CASH_LOAN_PURPOSE     1670214 non-null  category
 8   NAME_CONTRACT_STATUS       1670214 non-null  category
 9   DAYS_DECISION              1670214 non-null  int64   
 10  NAME_PAYMENT_TYPE          1670214 non-null  category
 11  CODE_REJECT_REASON         1670214 non-null  category
 12  NAME_TYPE_SUITE            1670214 non-null  category
 13  NAME_CLIENT_TYPE           1670214 non-null  category
 14  NAME_GOODS_CATEGORY        1670214 non-null  category
 15  NAME_PORTFOLIO             1670214 non-null  category
 16  NAME_PRODUCT_TYPE          1670214 non-null  category
 17  CHANNEL_TYPE               1670214 non-null  category
 18  SELLERPLACE_AREA           1670214 non-null  int64   
 19  NAME_SELLER_INDUSTRY       1670214 non-null  category
 20  CNT_PAYMENT                1670214 non-null  float64 
 21  NAME_YIELD_GROUP           1670214 non-null  category
 22  PRODUCT_COMBINATION        1669868 non-null  category
 23  DAYS_FIRST_DRAWING         1670214 non-null  float64 
 24  DAYS_FIRST_DUE             1670214 non-null  float64 
 25  DAYS_LAST_DUE_1ST_VERSION  1670214 non-null  float64 
 26  DAYS_LAST_DUE              1670214 non-null  float64 
 27  DAYS_TERMINATION           1670214 non-null  float64 
 28  NFLAG_INSURED_ON_APPROVAL  1670214 non-null  float64 
 29  AMT_APPLICATION_RANGE      1187638 non-null  category
dtypes: category(14), float64(11), int64(4), object(1)
memory usage: 226.2+ MB

inp1.shape

(1670214, 30)

ANALYSIS

Checking imbalance percentage

inp0["TARGET"].value_counts(normalize=True)*100

0    91.927118
1     8.072882
Name: TARGET, dtype: float64

• There is data imbalance in TARGET

Repayer percentage is 91.93(Approx). Defaulter percentage is 8.07(Approx).

plt.pie(inp0["TARGET"].value_counts(normalize=True)*100,labels=["REPAYER (TARGET=0)","DEFAULTER (TARGET=1)"],explode=(0,0.05),autopct="%1.f%%")
plt.title("TARGET Variable - DEFAULTER Vs REPAYER")
plt.show()                                                                

Univariate analysis- categorical feautures

# Divinding TARGET variable into two parts target_1 is REPAYER and target_2 is DEFAULTER

target_0 = inp0[inp0["TARGET"]==0]
target_1 = inp0[inp0["TARGET"]==1]

target_0.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR	AGE	AGE_RANGE	EMPLOYMENT_YEARS	EMPLOYMENT_YEARS_RANGE	AMT_INCOME_RANGE	AMT_CREDIT_RANGE
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0.0	0.0	0.0	0.0	45.931507	40-50	3.254795	0-5	Low	NaN
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0.0	0.0	0.0	0.0	52.180822	50-60	0.616438	0-5	Very Low	Very Low
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0.0	0.0	0.0	1.0	52.068493	50-60	8.326027	5-10	Very Low	Low
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0.0	0.0	0.0	0.0	54.608219	50-60	8.323288	5-10	Very Low	Medium
5	100008	0	Cash loans	M	N	Y	0	99000.0	490495.5	27517.5	...	0.0	0.0	1.0	1.0	46.413699	40-50	4.350685	0-5	Very Low	Medium

5 rows × 59 columns

target_1.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR	AGE	AGE_RANGE	EMPLOYMENT_YEARS	EMPLOYMENT_YEARS_RANGE	AMT_INCOME_RANGE	AMT_CREDIT_RANGE
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	0.0	0.0	0.0	1.0	25.920548	20-30	1.745205	0-5	Low	Medium
26	100031	1	Cash loans	F	N	Y	0	112500.0	979992.0	27076.5	...	0.0	0.0	2.0	2.0	51.298630	50-60	7.200000	5-10	Very Low	Very High
40	100047	1	Cash loans	M	N	Y	0	202500.0	1193580.0	35028.0	...	0.0	2.0	0.0	4.0	47.895890	40-50	3.457534	0-5	Low	NaN
42	100049	1	Cash loans	F	N	N	0	135000.0	288873.0	16258.5	...	0.0	0.0	0.0	2.0	36.668493	30-40	9.854795	5-10	Very Low	Low
81	100096	1	Cash loans	F	N	Y	0	81000.0	252000.0	14593.5	...	0.0	0.0	0.0	0.0	67.928767	60 Above	1000.665753	NaN	Very Low	Low

5 rows × 59 columns

Univariate Analysis for REPAYER and DEFAULTER for numeric variables

inp0.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 307511 entries, 0 to 307510
Data columns (total 59 columns):
 #   Column                       Non-Null Count   Dtype   
---  ------                       --------------   -----   
 0   SK_ID_CURR                   307511 non-null  int64   
 1   TARGET                       307511 non-null  int64   
 2   NAME_CONTRACT_TYPE           307511 non-null  category
 3   CODE_GENDER                  307511 non-null  category
 4   FLAG_OWN_CAR                 307511 non-null  object  
 5   FLAG_OWN_REALTY              307511 non-null  category
 6   CNT_CHILDREN                 307511 non-null  int64   
 7   AMT_INCOME_TOTAL             307511 non-null  float64 
 8   AMT_CREDIT                   307511 non-null  float64 
 9   AMT_ANNUITY                  307511 non-null  float64 
 10  AMT_GOODS_PRICE              307233 non-null  float64 
 11  NAME_TYPE_SUITE              307511 non-null  category
 12  NAME_INCOME_TYPE             307511 non-null  category
 13  NAME_EDUCATION_TYPE          307511 non-null  category
 14  NAME_FAMILY_STATUS           307511 non-null  category
 15  NAME_HOUSING_TYPE            307511 non-null  category
 16  REGION_POPULATION_RELATIVE   307511 non-null  float64 
 17  DAYS_BIRTH                   307511 non-null  int64   
 18  DAYS_EMPLOYED                307511 non-null  int64   
 19  DAYS_REGISTRATION            307511 non-null  float64 
 20  DAYS_ID_PUBLISH              307511 non-null  int64   
 21  FLAG_MOBIL                   307511 non-null  int64   
 22  FLAG_EMP_PHONE               307511 non-null  int64   
 23  FLAG_WORK_PHONE              307511 non-null  int64   
 24  FLAG_CONT_MOBILE             307511 non-null  int64   
 25  FLAG_PHONE                   307511 non-null  int64   
 26  FLAG_EMAIL                   307511 non-null  int64   
 27  OCCUPATION_TYPE              307511 non-null  category
 28  CNT_FAM_MEMBERS              307509 non-null  float64 
 29  REGION_RATING_CLIENT         307511 non-null  int64   
 30  REGION_RATING_CLIENT_W_CITY  307511 non-null  int64   
 31  WEEKDAY_APPR_PROCESS_START   307511 non-null  category
 32  HOUR_APPR_PROCESS_START      307511 non-null  int64   
 33  REG_REGION_NOT_LIVE_REGION   307511 non-null  int64   
 34  REG_REGION_NOT_WORK_REGION   307511 non-null  category
 35  LIVE_REGION_NOT_WORK_REGION  307511 non-null  category
 36  REG_CITY_NOT_LIVE_CITY       307511 non-null  int64   
 37  REG_CITY_NOT_WORK_CITY       307511 non-null  int64   
 38  LIVE_CITY_NOT_WORK_CITY      307511 non-null  int64   
 39  ORGANIZATION_TYPE            307511 non-null  category
 40  EXT_SOURCE_2                 307511 non-null  float64 
 41  EXT_SOURCE_3                 307511 non-null  float64 
 42  OBS_30_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 43  DEF_30_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 44  OBS_60_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 45  DEF_60_CNT_SOCIAL_CIRCLE     307511 non-null  float64 
 46  DAYS_LAST_PHONE_CHANGE       307510 non-null  float64 
 47  AMT_REQ_CREDIT_BUREAU_HOUR   307511 non-null  float64 
 48  AMT_REQ_CREDIT_BUREAU_DAY    307511 non-null  float64 
 49  AMT_REQ_CREDIT_BUREAU_WEEK   307511 non-null  float64 
 50  AMT_REQ_CREDIT_BUREAU_MON    307511 non-null  float64 
 51  AMT_REQ_CREDIT_BUREAU_QRT    307511 non-null  float64 
 52  AMT_REQ_CREDIT_BUREAU_YEAR   307511 non-null  float64 
 53  AGE                          307511 non-null  float64 
 54  AGE_RANGE                    307511 non-null  category
 55  EMPLOYMENT_YEARS             307511 non-null  float64 
 56  EMPLOYMENT_YEARS_RANGE       252135 non-null  category
 57  AMT_INCOME_RANGE             306867 non-null  category
 58  AMT_CREDIT_RANGE             257526 non-null  category
dtypes: category(17), float64(22), int64(19), object(1)
memory usage: 103.5+ MB

Age

#Creating plots for Age_range for REPAYER
plt.figure(figsize = (20,10))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=0 : Age-REPAYER")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["AGE_RANGE"])
plt.show()


#Creating plots for Age_range for DEFAULTER
plt.figure(figsize = (20,10))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=1 : Age-DEFAULTER")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["AGE_RANGE"])
plt.show()

Insights:

• Age range between 30 to 40 can be able to pay their loan on time also, by considering other factors age range 40-50 can be considered to provide a loan.
• Also, with the same Age range these applicants are riskiest people to lend a loan.With increasing age defaulters are decreases.

Employment years range

#Creating plots for Employment_years_range for REPAYER
plt.figure(figsize = (20,10))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=0 : EMPLOYMENT_YEARS-REPAYER")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["EMPLOYMENT_YEARS_RANGE"])
plt.show()


#Creating plots for Employment_years_range for DEFAULTER
plt.figure(figsize = (20,10))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=1 : EMPLOYMENT_YEARS-DEFAULTER")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["EMPLOYMENT_YEARS_RANGE"])
plt.show()

Insights:

• Applicants between 0-5 years Employment years are highest repayers.
• It is similar in Defaultees also. approx 10% applicants are defaultees from 0-5 years employment range which is gradually decreasing with increasing years.

Amt credit range

#Creating plots for Amt_credit_range for REPAYER
plt.figure(figsize = (40,18))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=0 : AMT_CREDIT_RANGE-REPAYER")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["AMT_CREDIT_RANGE"])
plt.show()


#Creating plots for Amt_credit_range for DEFAULTER
plt.figure(figsize = (40,18))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=1 : AMT_CREDIT-DEFAULTER")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["AMT_CREDIT_RANGE"])
plt.show()

Insights:

• From the observation Low is most repaid range of credit.
• Medium credit range is including highest defaulters.

Categorical Variables

Name contract type

#Creating plots for REPAYER
plt.figure(figsize = (30,15))
plt.subplot(3, 3, 2)
plt.ylim(0,300000)
plt.title("Target=0 : NAME_CONTRACT_TYPE-REPAYER")
sns.countplot(x=target_0["NAME_CONTRACT_TYPE"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (30,15))
plt.subplot(3, 3, 2)
plt.ylim(0,300000)
plt.title("Target=1 : NAME_CONTRACT_TYPE-DEFAULTER")
sns.countplot(x=target_1["NAME_CONTRACT_TYPE"])
plt.show()

Insights:

• Revolving loans are very small part of total loans.
• Very few loan applicants are defaulter in revolving loans.

Code Gender

#Creating plots for REPAYER
plt.figure(figsize = (40,15))
plt.subplot(3, 3, 2)
plt.ylim(0,300000)
plt.title("Target=0 : CODE_GENDER-REPAYER")
sns.countplot(x=target_0["CODE_GENDER"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (40,15))
plt.subplot(3, 3, 2)
plt.ylim(0,300000)
plt.title("Target=1 : CODE_GENDER-DEFAULTER")
sns.countplot(x=target_1["CODE_GENDER"])
plt.show()

Insights:

• Males clients have a highest chances to being a defaulter.
• Female clients are highest repayers of loans.

Flag own realty

#Creating plots for REPAYER
plt.figure(figsize = (40,15))
plt.subplot(3, 3, 2)
plt.ylim(0,200000)
plt.title("Target=0 : FLAG_OWN_REALTY")
sns.countplot(x=target_0["FLAG_OWN_REALTY"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (40,15))
plt.subplot(3, 3, 2)
plt.ylim(0,50000)
plt.title("Target=1 : FLAG_OWN_REALTY")
sns.countplot(x=target_1["FLAG_OWN_REALTY"])
plt.show()

Insights:

• The number of clients are almost double who are into real estate.
• The defaulter's rate is also higher from the same group.

Name Income Type

#Creating plots for REPAYER
plt.figure(figsize = (10,4))
plt.subplot(1, 2, 1)
plt.ylim(0,150000)
plt.title("Target=0 : NAME_INCOME_TYPE")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["NAME_INCOME_TYPE"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (10,4))
plt.subplot(1,2,2)
plt.ylim(0,15000)
plt.title("Target=1 : NAME_INCOME_TYPE")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["NAME_INCOME_TYPE"])
plt.show()

Insights:

• Students,Unemployed are not defaulter.It may be possible that students do not need to pay when they are students and unemploed 's loan can not be granted.
• Commercial associates are highest repayer and DEFAULTER as well.

Name Family Status

#Creating plots for REPAYER
plt.figure(figsize = (45,12))
plt.subplot(3, 3, 2)
plt.ylim(0,200000)
plt.title("Target=0 : NAME_FAMILY_STATUS")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["NAME_FAMILY_STATUS"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (45,12))
plt.subplot(3, 3, 2)
plt.ylim(0,15000)
plt.title("Target=1 : NAME_FAMILY_STATUS")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["NAME_FAMILY_STATUS"])
plt.show()

Insights:

• Married people are applying for loans as compare to others.
• There is more risk to lend them loan too as they are more likely to be defaulter.

Name Housing Type

#Creating plots for REPAYER
plt.figure(figsize = (45,12))
plt.subplot(3, 3, 2)
plt.ylim(0,300000)
plt.title("Target=0 : NAME_HOUSING_TYPE")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["NAME_HOUSING_TYPE"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (45,12))
plt.subplot(3, 3, 2)
plt.ylim(0,20000)
plt.title("Target=1 : NAME_HOUSING_TYPE")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["NAME_HOUSING_TYPE"])
plt.show()

Insights:

• Most of the people applied for the loan are living in the House/appartment.
• Very less number of loan applicants are living in co-op -apartment or office appartment.
• Office apparment 's loan applicants have lowest default rate.

Occupation Type

#Creating plots for REPAYER
plt.figure(figsize = (80,30))
plt.subplot(3, 3, 2)
plt.ylim(0,100000)
plt.title("Target=0 : OCCUPATION_TYPE")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_0["OCCUPATION_TYPE"])
plt.show()


#Creating plots for DEFAULTER
plt.figure(figsize = (80,30))
plt.subplot(3, 3, 2)
plt.ylim(0,10000)
plt.title("Target=1 : OCCUPATION_TYPE")
plt.xticks(rotation=45, ha='right')
sns.countplot(x=target_1["OCCUPATION_TYPE"])
plt.show()

Insights:

• Labourers and Sales staff are highest applicants of loan and defaultees too.
• IT staff, HR Staff are less in numbers of applicants of loan.

Categorical Bivariate or Multivariate Analysis

inp0.groupby("NAME_INCOME_TYPE")["AMT_INCOME_TOTAL"].describe()

	count	mean	std	min	25%	50%	75%	max
NAME_INCOME_TYPE
Businessman	10.0	652500.000000	627226.035812	180000.0	225000.0	495000.0	843750.0	2250000.0
Commercial associate	71617.0	202955.327289	147974.151536	26550.0	135000.0	180000.0	225000.0	18000090.0
Maternity leave	5.0	140400.000000	126856.907577	49500.0	67500.0	90000.0	135000.0	360000.0
Pensioner	55362.0	136401.292273	76650.331247	25650.0	90000.0	117000.0	166500.0	2250000.0
State servant	21703.0	179737.969506	100880.579748	27000.0	112500.0	157500.0	225000.0	3150000.0
Student	18.0	170500.000000	106644.682171	81000.0	112500.0	157500.0	178875.0	562500.0
Unemployed	22.0	110536.363636	88055.079059	26550.0	54000.0	78750.0	135000.0	337500.0
Working	158774.0	163169.889223	307577.685943	25650.0	112500.0	135000.0	202500.0	117000000.0

sns.barplot(x="NAME_INCOME_TYPE",y="AMT_INCOME_TOTAL",hue="TARGET",data=inp0) 
plt.xticks(rotation=45, ha='right')
plt.show()

Insights:

• Businessman 's income range is highest and that is why Repayer rate is higher in them.
• Commercial associate, state servant, working 's defaulter rate is higher in the given data.

checking correlation

inp0.columns

Index(['SK_ID_CURR', 'TARGET', 'NAME_CONTRACT_TYPE', 'CODE_GENDER',
       'FLAG_OWN_CAR', 'FLAG_OWN_REALTY', 'CNT_CHILDREN', 'AMT_INCOME_TOTAL',
       'AMT_CREDIT', 'AMT_ANNUITY', 'AMT_GOODS_PRICE', 'NAME_TYPE_SUITE',
       'NAME_INCOME_TYPE', 'NAME_EDUCATION_TYPE', 'NAME_FAMILY_STATUS',
       'NAME_HOUSING_TYPE', 'REGION_POPULATION_RELATIVE', 'DAYS_BIRTH',
       'DAYS_EMPLOYED', 'DAYS_REGISTRATION', 'DAYS_ID_PUBLISH', 'FLAG_MOBIL',
       'FLAG_EMP_PHONE', 'FLAG_WORK_PHONE', 'FLAG_CONT_MOBILE', 'FLAG_PHONE',
       'FLAG_EMAIL', 'OCCUPATION_TYPE', 'CNT_FAM_MEMBERS',
       'REGION_RATING_CLIENT', 'REGION_RATING_CLIENT_W_CITY',
       'WEEKDAY_APPR_PROCESS_START', 'HOUR_APPR_PROCESS_START',
       'REG_REGION_NOT_LIVE_REGION', 'REG_REGION_NOT_WORK_REGION',
       'LIVE_REGION_NOT_WORK_REGION', 'REG_CITY_NOT_LIVE_CITY',
       'REG_CITY_NOT_WORK_CITY', 'LIVE_CITY_NOT_WORK_CITY',
       'ORGANIZATION_TYPE', 'EXT_SOURCE_2', 'EXT_SOURCE_3',
       'OBS_30_CNT_SOCIAL_CIRCLE', 'DEF_30_CNT_SOCIAL_CIRCLE',
       'OBS_60_CNT_SOCIAL_CIRCLE', 'DEF_60_CNT_SOCIAL_CIRCLE',
       'DAYS_LAST_PHONE_CHANGE', 'AMT_REQ_CREDIT_BUREAU_HOUR',
       'AMT_REQ_CREDIT_BUREAU_DAY', 'AMT_REQ_CREDIT_BUREAU_WEEK',
       'AMT_REQ_CREDIT_BUREAU_MON', 'AMT_REQ_CREDIT_BUREAU_QRT',
       'AMT_REQ_CREDIT_BUREAU_YEAR', 'AGE', 'AGE_RANGE', 'EMPLOYMENT_YEARS',
       'EMPLOYMENT_YEARS_RANGE', 'AMT_INCOME_RANGE', 'AMT_CREDIT_RANGE'],
      dtype='object')

cols_correlation1 = ["NAME_CONTRACT_TYPE", "CODE_GENDER", "FLAG_OWN_CAR","FLAG_OWN_REALTY", 
                        "CNT_CHILDREN", "AMT_INCOME_TOTAL", "AMT_CREDIT", "AMT_ANNUITY", "AMT_GOODS_PRICE", 
                        "NAME_TYPE_SUITE", "NAME_INCOME_TYPE", "NAME_EDUCATION_TYPE", "NAME_FAMILY_STATUS",
                        "NAME_HOUSING_TYPE", "REGION_POPULATION_RELATIVE", "DAYS_BIRTH", "DAYS_EMPLOYED", 
                        "DAYS_REGISTRATION", "DAYS_ID_PUBLISH", "OCCUPATION_TYPE", "CNT_FAM_MEMBERS", "REGION_RATING_CLIENT",
                        "REGION_RATING_CLIENT_W_CITY", "WEEKDAY_APPR_PROCESS_START", "HOUR_APPR_PROCESS_START",
                        "REG_REGION_NOT_LIVE_REGION", "REG_REGION_NOT_WORK_REGION", "LIVE_REGION_NOT_WORK_REGION", 
                        "REG_CITY_NOT_LIVE_CITY", "REG_CITY_NOT_WORK_CITY", "LIVE_CITY_NOT_WORK_CITY", "ORGANIZATION_TYPE", "OBS_30_CNT_SOCIAL_CIRCLE", "DEF_30_CNT_SOCIAL_CIRCLE",
                        "OBS_60_CNT_SOCIAL_CIRCLE", "DEF_60_CNT_SOCIAL_CIRCLE", "DAYS_LAST_PHONE_CHANGE","AMT_REQ_CREDIT_BUREAU_HOUR", "AMT_REQ_CREDIT_BUREAU_DAY", "AMT_REQ_CREDIT_BUREAU_WEEK","AMT_REQ_CREDIT_BUREAU_MON",
                        "AMT_REQ_CREDIT_BUREAU_QRT", "AMT_REQ_CREDIT_BUREAU_YEAR"]

target_0_col=inp0.loc[inp0['TARGET']==0, cols_correlation1]
target_1_col=inp0.loc[inp0['TARGET']==1, cols_correlation1]

len(cols_correlation1)

43

target_0.head(10)

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	...	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR	AGE	AGE_RANGE	EMPLOYMENT_YEARS	EMPLOYMENT_YEARS_RANGE	AMT_INCOME_RANGE	AMT_CREDIT_RANGE
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	0.0	0.0	0.0	0.0	45.931507	40-50	3.254795	0-5	Low	NaN
2	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	0.0	0.0	0.0	0.0	52.180822	50-60	0.616438	0-5	Very Low	Very Low
3	100006	0	Cash loans	F	N	Y	0	135000.0	312682.5	29686.5	...	0.0	0.0	0.0	1.0	52.068493	50-60	8.326027	5-10	Very Low	Low
4	100007	0	Cash loans	M	N	Y	0	121500.0	513000.0	21865.5	...	0.0	0.0	0.0	0.0	54.608219	50-60	8.323288	5-10	Very Low	Medium
5	100008	0	Cash loans	M	N	Y	0	99000.0	490495.5	27517.5	...	0.0	0.0	1.0	1.0	46.413699	40-50	4.350685	0-5	Very Low	Medium
6	100009	0	Cash loans	F	Y	Y	1	171000.0	1560726.0	41301.0	...	0.0	1.0	1.0	2.0	37.747945	30-40	8.575342	5-10	Low	NaN
7	100010	0	Cash loans	M	Y	Y	0	360000.0	1530000.0	42075.0	...	0.0	0.0	0.0	0.0	51.643836	50-60	1.230137	0-5	Medium	NaN
8	100011	0	Cash loans	F	N	Y	0	112500.0	1019610.0	33826.5	...	0.0	0.0	0.0	1.0	55.065753	50-60	1000.665753	NaN	Very Low	NaN
9	100012	0	Revolving loans	M	N	Y	0	135000.0	405000.0	20250.0	...	0.0	0.0	0.0	1.0	39.641096	30-40	5.531507	5-10	Very Low	Medium
10	100014	0	Cash loans	F	N	Y	1	112500.0	652500.0	21177.0	...	0.0	1.0	0.0	0.0	27.936986	20-30	1.860274	0-5	Very Low	High

10 rows × 59 columns

#checking correlation amongst the variable for target_0
corr0=target_0_col.corr()
corr0=corr0.where(np.triu(np.ones(corr0.shape), k=1).astype(np.bool))
corr0

	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	AMT_GOODS_PRICE	REGION_POPULATION_RELATIVE	DAYS_BIRTH	DAYS_EMPLOYED	DAYS_REGISTRATION	DAYS_ID_PUBLISH	...	DEF_30_CNT_SOCIAL_CIRCLE	OBS_60_CNT_SOCIAL_CIRCLE	DEF_60_CNT_SOCIAL_CIRCLE	DAYS_LAST_PHONE_CHANGE	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
CNT_CHILDREN	NaN	0.027397	0.003081	0.020905	-0.000525	-0.024363	-0.336966	-0.245174	-0.185792	0.028751	...	-0.002193	0.014199	-0.002125	0.008501	0.000147	0.001057	-0.000315	-0.007640	-0.004218	-0.035861
AMT_INCOME_TOTAL	NaN	NaN	0.342799	0.418949	0.349462	0.167851	-0.062609	-0.140392	-0.064937	-0.022896	...	-0.027998	-0.028507	-0.027897	0.041338	0.002707	0.008029	0.008647	0.058682	0.017676	0.034384
AMT_CREDIT	NaN	NaN	NaN	0.771297	0.987250	0.100604	0.047378	-0.070104	-0.013477	0.001464	...	-0.019433	-0.000180	-0.021859	0.069540	-0.002267	0.005135	0.000941	0.055063	0.021825	-0.037519
AMT_ANNUITY	NaN	NaN	NaN	NaN	0.776674	0.120983	-0.012262	-0.104978	-0.039434	-0.014113	...	-0.022162	-0.012280	-0.023053	0.062012	0.003220	0.002464	0.012384	0.036293	0.011660	-0.008009
AMT_GOODS_PRICE	NaN	NaN	NaN	NaN	NaN	0.103827	0.044565	-0.068609	-0.015916	0.003649	...	-0.020746	-0.000277	-0.022923	0.071373	-0.001703	0.005507	0.001176	0.056649	0.022122	-0.039815
REGION_POPULATION_RELATIVE	NaN	NaN	NaN	NaN	NaN	NaN	0.025244	-0.007198	0.052083	0.001071	...	0.005409	-0.012493	0.001808	0.041164	-0.002334	0.001629	-0.002814	0.071495	-0.001954	0.000152
DAYS_BIRTH	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.626114	0.333151	0.271314	...	0.003141	-0.007132	0.001065	0.076510	-0.002926	-0.001587	0.003570	0.001871	0.015427	0.073352
DAYS_EMPLOYED	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.214511	0.276663	...	0.019395	0.007531	0.016398	-0.023379	-0.004292	-0.000932	0.001741	-0.032821	0.013322	0.046890
DAYS_REGISTRATION	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.100236	...	-0.001209	-0.008224	-0.002645	0.053533	0.002514	0.000009	0.001268	0.010877	0.000363	0.024278
DAYS_ID_PUBLISH	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.000335	0.012902	-0.002429	0.082949	-0.001943	0.002199	0.006943	0.017382	0.017089	0.047551
CNT_FAM_MEMBERS	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.003924	0.023371	-0.005411	0.028888	0.001542	0.000836	0.001474	-0.004132	-0.000333	-0.022768
REGION_RATING_CLIENT	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.014576	0.034483	0.017141	-0.023265	0.006394	-0.002483	0.002109	-0.063458	0.005757	0.010343
REGION_RATING_CLIENT_W_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.013033	0.030526	0.016260	-0.022702	0.006394	-0.002252	0.001656	-0.061488	0.005423	0.009523
HOUR_APPR_PROCESS_START	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.005967	-0.008420	-0.009032	0.012854	-0.014272	0.003912	-0.001538	0.036056	0.001184	-0.025158
REG_REGION_NOT_LIVE_REGION	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.009278	-0.019885	-0.008947	-0.037970	-0.001643	-0.001227	0.000784	-0.002943	-0.003989	-0.017727
REG_CITY_NOT_LIVE_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.005126	-0.011544	0.005457	-0.050903	0.000019	-0.002296	-0.002585	-0.013201	-0.003105	-0.009604
REG_CITY_NOT_WORK_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.000480	-0.003497	0.001014	-0.042355	0.000334	-0.002317	-0.003529	-0.013565	-0.007575	-0.012229
LIVE_CITY_NOT_WORK_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.003687	0.000633	-0.002506	-0.018981	-0.000522	-0.002102	-0.003512	-0.007898	-0.006963	-0.010666
OBS_30_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.329599	0.998510	0.253372	0.014714	0.000598	-0.001497	0.001116	0.002553	0.005009	0.031473
DEF_30_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	0.331726	0.859371	0.001790	-0.001356	-0.001503	-0.001558	0.000968	-0.000602	0.017557
OBS_60_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	0.255340	0.015115	0.000513	-0.001575	0.001197	0.002579	0.004851	0.031854
DEF_60_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	0.000385	-0.002026	-0.001588	-0.002166	-0.001328	-0.000257	0.016629
DAYS_LAST_PHONE_CHANGE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	0.002828	-0.000810	0.007442	0.044982	0.010139	0.117493
AMT_REQ_CREDIT_BUREAU_HOUR	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	0.229543	0.006243	0.003431	-0.000037	-0.000003
AMT_REQ_CREDIT_BUREAU_DAY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	0.220995	-0.002351	-0.002028	0.000111
AMT_REQ_CREDIT_BUREAU_WEEK	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	-0.007758	-0.008105	0.029129
AMT_REQ_CREDIT_BUREAU_MON	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.004457	0.013156
AMT_REQ_CREDIT_BUREAU_QRT	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.093348
AMT_REQ_CREDIT_BUREAU_YEAR	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN

29 rows × 29 columns

#checking correlation of top 10
corr0_inp0 = corr0.unstack().reset_index()
corr0_inp0.columns=["VAR1","VAR2","Correlation"]
corr0_inp0.dropna(subset = ["Correlation"], inplace = True)
corr0_inp0["Correlation"] = round(corr0_inp0["Correlation"], 2)
corr0_inp0["Correlation"] = corr0_inp0["Correlation"].abs()
corr0_inp0.sort_values(by = "Correlation", ascending = False).head(10)

	VAR1	VAR2	Correlation
598	OBS_60_CNT_SOCIAL_CIRCLE	OBS_30_CNT_SOCIAL_CIRCLE	1.00
118	AMT_GOODS_PRICE	AMT_CREDIT	0.99
359	REGION_RATING_CLIENT_W_CITY	REGION_RATING_CLIENT	0.95
290	CNT_FAM_MEMBERS	CNT_CHILDREN	0.88
628	DEF_60_CNT_SOCIAL_CIRCLE	DEF_30_CNT_SOCIAL_CIRCLE	0.86
509	LIVE_CITY_NOT_WORK_CITY	REG_CITY_NOT_WORK_CITY	0.83
119	AMT_GOODS_PRICE	AMT_ANNUITY	0.78
89	AMT_ANNUITY	AMT_CREDIT	0.77
209	DAYS_EMPLOYED	DAYS_BIRTH	0.63
324	REGION_RATING_CLIENT	REGION_POPULATION_RELATIVE	0.54

# Plotting heatmao to visualise correlation among repyers
fig = plt.figure(figsize=(25,20))
ax = sns.heatmap(target_0_col.corr(), cmap="RdYlGn",annot=True,linewidth =1)

Insights:

• There is very high relationship between credit amount,goods price amount,amt annuity and total income.
• There is also high relationship between Days birth and days employed.
• CNT Children and family members also shares high relationship.

#checking correlation amongst the variable for target_0
corr1=target_1_col.corr()
corr1=corr1.where(np.triu(np.ones(corr1.shape), k=1).astype(np.bool))
corr1

	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT	AMT_ANNUITY	AMT_GOODS_PRICE	REGION_POPULATION_RELATIVE	DAYS_BIRTH	DAYS_EMPLOYED	DAYS_REGISTRATION	DAYS_ID_PUBLISH	...	DEF_30_CNT_SOCIAL_CIRCLE	OBS_60_CNT_SOCIAL_CIRCLE	DEF_60_CNT_SOCIAL_CIRCLE	DAYS_LAST_PHONE_CHANGE	AMT_REQ_CREDIT_BUREAU_HOUR	AMT_REQ_CREDIT_BUREAU_DAY	AMT_REQ_CREDIT_BUREAU_WEEK	AMT_REQ_CREDIT_BUREAU_MON	AMT_REQ_CREDIT_BUREAU_QRT	AMT_REQ_CREDIT_BUREAU_YEAR
CNT_CHILDREN	NaN	0.004796	-0.001675	0.031257	-0.008112	-0.031975	-0.259109	-0.192864	-0.149154	0.032299	...	0.001520	0.025285	-0.005039	-0.011547	0.000316	-0.011255	-0.009316	-0.008852	-0.013029	-0.027253
AMT_INCOME_TOTAL	NaN	NaN	0.038131	0.046421	0.037583	0.009135	-0.003096	-0.014977	-0.000158	0.004215	...	-0.005170	-0.004588	-0.004852	0.002429	0.001079	0.000135	0.000941	0.005718	0.001037	0.004516
AMT_CREDIT	NaN	NaN	NaN	0.752195	0.983103	0.069161	0.135316	0.001930	0.025854	0.052329	...	-0.025503	0.020242	-0.030461	0.110851	-0.003771	0.004346	0.010598	0.056227	-0.007201	-0.020698
AMT_ANNUITY	NaN	NaN	NaN	NaN	0.752699	0.071690	0.014303	-0.081207	-0.034279	0.016767	...	-0.021794	0.006465	-0.026966	0.079870	0.012968	0.000074	0.028784	0.049000	-0.007261	-0.009819
AMT_GOODS_PRICE	NaN	NaN	NaN	NaN	NaN	0.076049	0.135810	0.006642	0.025679	0.056086	...	-0.021380	0.021028	-0.025826	0.118303	-0.002459	0.005450	0.010777	0.059103	-0.006120	-0.022840
REGION_POPULATION_RELATIVE	NaN	NaN	NaN	NaN	NaN	NaN	0.048190	0.015532	0.056222	0.015537	...	0.025824	0.006741	0.018199	0.055139	-0.000710	-0.004546	0.003485	0.065248	-0.004433	0.003198
DAYS_BIRTH	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.582185	0.289114	0.252863	...	-0.004939	0.005388	-0.003994	0.111199	-0.011650	0.007956	0.008244	0.010923	0.022904	0.083838
DAYS_EMPLOYED	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.192455	0.229090	...	0.003066	-0.008498	0.005280	0.001402	-0.007307	0.019381	0.013237	-0.023088	0.012230	0.030812
DAYS_REGISTRATION	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.096833	...	-0.010332	-0.014577	-0.009185	0.071727	0.004798	0.007868	-0.002278	-0.003401	0.012512	0.013572
DAYS_ID_PUBLISH	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.007448	0.019823	-0.004813	0.123951	-0.000481	0.014249	0.003732	0.024159	0.007979	0.056391
CNT_FAM_MEMBERS	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.007165	0.043392	-0.000714	0.013360	0.000639	-0.015229	-0.006825	-0.002996	-0.004596	-0.002236
REGION_RATING_CLIENT	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.007239	0.029614	0.009797	-0.017637	0.000983	0.002999	-0.000496	-0.054180	0.007799	0.012601
REGION_RATING_CLIENT_W_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.005834	0.021948	0.008477	-0.019109	0.000552	0.003947	-0.001157	-0.052963	0.005354	0.014716
HOUR_APPR_PROCESS_START	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.002866	-0.012281	-0.000306	0.022809	-0.015269	-0.013965	-0.004124	0.039099	0.003220	-0.022979
REG_REGION_NOT_LIVE_REGION	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.002380	-0.028212	0.001603	-0.034209	-0.009515	-0.005953	-0.007457	0.019086	0.000991	-0.023307
REG_CITY_NOT_LIVE_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.011012	-0.027035	0.012044	-0.063716	-0.003581	-0.007109	-0.008640	-0.004026	0.004234	-0.013971
REG_CITY_NOT_WORK_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.005876	-0.021292	-0.004945	-0.064554	-0.007374	-0.005402	-0.011406	-0.012534	-0.012948	-0.018730
LIVE_CITY_NOT_WORK_CITY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	-0.016896	-0.008271	-0.019667	-0.027388	-0.009248	-0.003573	-0.008834	-0.011560	-0.020756	-0.011176
OBS_30_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	0.334035	0.998270	0.261209	0.028639	0.001387	-0.007769	-0.002113	0.005263	0.009494	0.037918
DEF_30_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	0.337389	0.869016	-0.000331	0.010843	0.001905	-0.005645	-0.002075	-0.006193	0.008339
OBS_60_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	0.264357	0.029141	0.001517	-0.008012	-0.001652	0.006073	0.008878	0.038183
DEF_60_CNT_SOCIAL_CIRCLE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	-0.004715	0.003766	-0.003668	-0.005059	0.000268	-0.002184	-0.000842
DAYS_LAST_PHONE_CHANGE	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	0.002424	0.004422	0.009444	0.050185	0.003005	0.114899
AMT_REQ_CREDIT_BUREAU_HOUR	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	0.247511	0.008531	-0.003684	0.011895	0.004463
AMT_REQ_CREDIT_BUREAU_DAY	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	0.185767	-0.008569	0.005961	0.007970
AMT_REQ_CREDIT_BUREAU_WEEK	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	-0.002908	0.001772	0.031736
AMT_REQ_CREDIT_BUREAU_MON	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.019555	0.024771
AMT_REQ_CREDIT_BUREAU_QRT	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	0.133739
AMT_REQ_CREDIT_BUREAU_YEAR	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN

29 rows × 29 columns

#checking correlation of top 10
corr1_inp0 = corr1.unstack().reset_index()
corr1_inp0.columns=["VAR1","VAR2","Correlation"]
corr1_inp0.dropna(subset = ["Correlation"], inplace = True)
corr1_inp0["Correlation"] = round(corr1_inp0["Correlation"], 2)
corr1_inp0["Correlation"] = corr1_inp0["Correlation"].abs()
corr1_inp0.sort_values(by = "Correlation", ascending = False).head(10)

	VAR1	VAR2	Correlation
598	OBS_60_CNT_SOCIAL_CIRCLE	OBS_30_CNT_SOCIAL_CIRCLE	1.00
118	AMT_GOODS_PRICE	AMT_CREDIT	0.98
359	REGION_RATING_CLIENT_W_CITY	REGION_RATING_CLIENT	0.96
290	CNT_FAM_MEMBERS	CNT_CHILDREN	0.89
628	DEF_60_CNT_SOCIAL_CIRCLE	DEF_30_CNT_SOCIAL_CIRCLE	0.87
509	LIVE_CITY_NOT_WORK_CITY	REG_CITY_NOT_WORK_CITY	0.78
89	AMT_ANNUITY	AMT_CREDIT	0.75
119	AMT_GOODS_PRICE	AMT_ANNUITY	0.75
209	DAYS_EMPLOYED	DAYS_BIRTH	0.58
479	REG_CITY_NOT_WORK_CITY	REG_CITY_NOT_LIVE_CITY	0.47

# Plotting heatmao to visualise correlation among repyers
fig = plt.figure(figsize=(25,20))
ax = sns.heatmap(target_1_col.corr(), cmap="RdYlGn",annot=True,linewidth =1)

Insights:

• Amount credit is highly correlated with goods price,and amount annuity.
• Days of birth and days of employed are also correlated with each other.
• There are few changes in relationship among variables as compared to repayer.

# Numerical Bivariate analysis
sns.lineplot(x="AMT_GOODS_PRICE",y="AMT_CREDIT",hue="TARGET",data=inp0)
plt.xticks(rotation=45, ha='right')
plt.ylim(0,)

(0.0, 4250074.05)

Insights:

• As credit amount increases more than 25 lakhs defalter rate also increase.It shows that amount of loan affects the repayment of loan.

#pair plot among variables for analysis
AMT_1 = inp0[[ "AMT_INCOME_TOTAL","AMT_CREDIT","AMT_ANNUITY", "AMT_GOODS_PRICE","TARGET"]]
AMT_1 = AMT_1[(AMT_1["AMT_GOODS_PRICE"].notnull()) & (AMT_1["AMT_ANNUITY"].notnull())]

ax= sns.pairplot(AMT_1,hue="TARGET")
ax.fig.legend(labels=["Defaulter","Repayer"])
plt.show()

Insights:

• Amount credit and goods price are highly correlated as scatter chart form a line.
• Very few defaulter are available when amount credit is more than 15 Lakhs.

Analysis of merged data

# Merge both the data 
inp = pd.merge(inp0, inp1, how="left", on="SK_ID_CURR")
inp.head()

	SK_ID_CURR	TARGET	NAME_CONTRACT_TYPE_x	CODE_GENDER	FLAG_OWN_CAR	FLAG_OWN_REALTY	CNT_CHILDREN	AMT_INCOME_TOTAL	AMT_CREDIT_x	AMT_ANNUITY_x	...	CNT_PAYMENT	NAME_YIELD_GROUP	PRODUCT_COMBINATION	DAYS_FIRST_DRAWING	DAYS_FIRST_DUE	DAYS_LAST_DUE_1ST_VERSION	DAYS_LAST_DUE	DAYS_TERMINATION	NFLAG_INSURED_ON_APPROVAL	AMT_APPLICATION_RANGE
0	100002	1	Cash loans	M	N	Y	0	202500.0	406597.5	24700.5	...	24.0	low_normal	POS other with interest	365243.0	565.0	125.0	25.0	17.0	0.0	Low
1	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	12.0	low_normal	Cash X-Sell: low	365243.0	716.0	386.0	536.0	527.0	1.0	NaN
2	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	6.0	middle	POS industry with interest	365243.0	797.0	647.0	647.0	639.0	0.0	Medium
3	100003	0	Cash loans	F	N	N	0	270000.0	1293502.5	35698.5	...	12.0	middle	POS household with interest	365243.0	2310.0	1980.0	1980.0	1976.0	1.0	Very Low
4	100004	0	Revolving loans	M	Y	Y	0	67500.0	135000.0	6750.0	...	4.0	middle	POS mobile without interest	365243.0	784.0	694.0	724.0	714.0	0.0	Very Low

5 rows × 88 columns

# Checking the size of merged data
inp.shape

(1430155, 88)

inp.info()

<class 'pandas.core.frame.DataFrame'>
Int64Index: 1430155 entries, 0 to 1430154
Data columns (total 88 columns):
 #   Column                       Non-Null Count    Dtype   
---  ------                       --------------    -----   
 0   SK_ID_CURR                   1430155 non-null  int64   
 1   TARGET                       1430155 non-null  int64   
 2   NAME_CONTRACT_TYPE_x         1430155 non-null  category
 3   CODE_GENDER                  1430155 non-null  category
 4   FLAG_OWN_CAR                 1430155 non-null  object  
 5   FLAG_OWN_REALTY              1430155 non-null  category
 6   CNT_CHILDREN                 1430155 non-null  int64   
 7   AMT_INCOME_TOTAL             1430155 non-null  float64 
 8   AMT_CREDIT_x                 1430155 non-null  float64 
 9   AMT_ANNUITY_x                1430155 non-null  float64 
 10  AMT_GOODS_PRICE_x            1428936 non-null  float64 
 11  NAME_TYPE_SUITE_x            1430155 non-null  category
 12  NAME_INCOME_TYPE             1430155 non-null  category
 13  NAME_EDUCATION_TYPE          1430155 non-null  category
 14  NAME_FAMILY_STATUS           1430155 non-null  category
 15  NAME_HOUSING_TYPE            1430155 non-null  category
 16  REGION_POPULATION_RELATIVE   1430155 non-null  float64 
 17  DAYS_BIRTH                   1430155 non-null  int64   
 18  DAYS_EMPLOYED                1430155 non-null  int64   
 19  DAYS_REGISTRATION            1430155 non-null  float64 
 20  DAYS_ID_PUBLISH              1430155 non-null  int64   
 21  FLAG_MOBIL                   1430155 non-null  int64   
 22  FLAG_EMP_PHONE               1430155 non-null  int64   
 23  FLAG_WORK_PHONE              1430155 non-null  int64   
 24  FLAG_CONT_MOBILE             1430155 non-null  int64   
 25  FLAG_PHONE                   1430155 non-null  int64   
 26  FLAG_EMAIL                   1430155 non-null  int64   
 27  OCCUPATION_TYPE              1430155 non-null  category
 28  CNT_FAM_MEMBERS              1430153 non-null  float64 
 29  REGION_RATING_CLIENT         1430155 non-null  int64   
 30  REGION_RATING_CLIENT_W_CITY  1430155 non-null  int64   
 31  WEEKDAY_APPR_PROCESS_START   1430155 non-null  category
 32  HOUR_APPR_PROCESS_START      1430155 non-null  int64   
 33  REG_REGION_NOT_LIVE_REGION   1430155 non-null  int64   
 34  REG_REGION_NOT_WORK_REGION   1430155 non-null  category
 35  LIVE_REGION_NOT_WORK_REGION  1430155 non-null  category
 36  REG_CITY_NOT_LIVE_CITY       1430155 non-null  int64   
 37  REG_CITY_NOT_WORK_CITY       1430155 non-null  int64   
 38  LIVE_CITY_NOT_WORK_CITY      1430155 non-null  int64   
 39  ORGANIZATION_TYPE            1430155 non-null  category
 40  EXT_SOURCE_2                 1430155 non-null  float64 
 41  EXT_SOURCE_3                 1430155 non-null  float64 
 42  OBS_30_CNT_SOCIAL_CIRCLE     1430155 non-null  float64 
 43  DEF_30_CNT_SOCIAL_CIRCLE     1430155 non-null  float64 
 44  OBS_60_CNT_SOCIAL_CIRCLE     1430155 non-null  float64 
 45  DEF_60_CNT_SOCIAL_CIRCLE     1430155 non-null  float64 
 46  DAYS_LAST_PHONE_CHANGE       1430154 non-null  float64 
 47  AMT_REQ_CREDIT_BUREAU_HOUR   1430155 non-null  float64 
 48  AMT_REQ_CREDIT_BUREAU_DAY    1430155 non-null  float64 
 49  AMT_REQ_CREDIT_BUREAU_WEEK   1430155 non-null  float64 
 50  AMT_REQ_CREDIT_BUREAU_MON    1430155 non-null  float64 
 51  AMT_REQ_CREDIT_BUREAU_QRT    1430155 non-null  float64 
 52  AMT_REQ_CREDIT_BUREAU_YEAR   1430155 non-null  float64 
 53  AGE                          1430155 non-null  float64 
 54  AGE_RANGE                    1430155 non-null  category
 55  EMPLOYMENT_YEARS             1430155 non-null  float64 
 56  EMPLOYMENT_YEARS_RANGE       1153778 non-null  category
 57  AMT_INCOME_RANGE             1427932 non-null  category
 58  AMT_CREDIT_RANGE             1208130 non-null  category
 59  SK_ID_PREV                   1413701 non-null  float64 
 60  NAME_CONTRACT_TYPE_y         1413701 non-null  object  
 61  AMT_ANNUITY_y                1413701 non-null  float64 
 62  AMT_APPLICATION              1413701 non-null  float64 
 63  AMT_CREDIT_y                 1413700 non-null  float64 
 64  AMT_GOODS_PRICE_y            1413701 non-null  float64 
 65  NAME_CASH_LOAN_PURPOSE       1413701 non-null  category
 66  NAME_CONTRACT_STATUS         1413701 non-null  category
 67  DAYS_DECISION                1413701 non-null  float64 
 68  NAME_PAYMENT_TYPE            1413701 non-null  category
 69  CODE_REJECT_REASON           1413701 non-null  category
 70  NAME_TYPE_SUITE_y            1413701 non-null  category
 71  NAME_CLIENT_TYPE             1413701 non-null  category
 72  NAME_GOODS_CATEGORY          1413701 non-null  category
 73  NAME_PORTFOLIO               1413701 non-null  category
 74  NAME_PRODUCT_TYPE            1413701 non-null  category
 75  CHANNEL_TYPE                 1413701 non-null  category
 76  SELLERPLACE_AREA             1413701 non-null  float64 
 77  NAME_SELLER_INDUSTRY         1413701 non-null  category
 78  CNT_PAYMENT                  1413701 non-null  float64 
 79  NAME_YIELD_GROUP             1413701 non-null  category
 80  PRODUCT_COMBINATION          1413388 non-null  category
 81  DAYS_FIRST_DRAWING           1413701 non-null  float64 
 82  DAYS_FIRST_DUE               1413701 non-null  float64 
 83  DAYS_LAST_DUE_1ST_VERSION    1413701 non-null  float64 
 84  DAYS_LAST_DUE                1413701 non-null  float64 
 85  DAYS_TERMINATION             1413701 non-null  float64 
 86  NFLAG_INSURED_ON_APPROVAL    1413701 non-null  float64 
 87  AMT_APPLICATION_RANGE        1011534 non-null  category
dtypes: category(31), float64(36), int64(19), object(2)
memory usage: 675.1+ MB

#for identifying correlation and analysis -bisecting merged data-
#Repayers
inp_t0=inp[inp["TARGET"]==0]
#DEFAULTERs
inp_t1=inp[inp["TARGET"]==1]

#Plotting relationship between Contract status and Total income
sns.lineplot(x="NAME_CONTRACT_STATUS",y="AMT_INCOME_TOTAL",hue="TARGET",data=inp)
plt.xticks(rotation=45, ha="right")
plt.ylim(0,)

(0.0, 427471.45978118)

Insights:

• People who have unused loan offer are defaulted in high number within average income.

#Plotting relationship between people defaulted in last 30days and Contract status

sns.lineplot(x="NAME_CONTRACT_STATUS",y="DEF_30_CNT_SOCIAL_CIRCLE",hue="TARGET",data=inp)
plt.xticks(rotation=45, ha="right")
plt.ylim(0,)

(0.0, 0.23162022415373001)

Insights:

• The number of defaultees in last 30 days in CNT SOCIAL CIRCLE are higher though previously bank has rejected their loan.

Conclusions:

1.An applicant may be Repayer can be analysed with following insights.

• Age between 30-40 are highest repayer of loan.
• Employment years between 0-5 are highest repayer.
• Low credit range between 40,000 to 80,000 are highest repayer.
• Cash loans are very huge part of total loans.
• Female clients are highest repayer almost double than male clients.
• Labourers and Sales staff are highest applicants of loan and defaultees too.

2.Applicant may be Repayer can be analysed with following insights.

• With increasing age and employment years defaluter are decreases.
• Medium credit range is including highest defaulters
• Very few clients are defalutees in revolving loans.
• Males cliens have highest chances to being a defaulter.

3.Bank can follow reject or can approve loan with higher intersts by considering following conclusion.

• Commercial associate, state servant, working 's defaulter rate is higher in the given data.
• Married people are applying for loans more as compare to others.
• Males clients have a highest chances to being a defaulter.
• People having more than 3 children are consisting high default rate.
• People who lived in a rented house are higher as compare to people lived in their own houses -so chances of defaultees are higher.